davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/XXXX I purchased a ring from XXXX XXXX for a total of {$7700.00}. When going over my purchase options the Jeweler informed me that they have financing for 0 % interest for 6 months to 1 year. I told them I preferred to pay cash but would have to go to the bank, the stated I might as well do the financing to help with credit. I asked if this would be a soft or hard inquiry into my credit, and told them I was planning on opening a new credit card account so this was important to me, which they replied just a soft inquiry. Upon being approved they told me how much I was approved for {$5600.00} so i paid the remaining balance of {$2100.00}. They say I will just have to keep up with monthly payments and make sure to pay it all off before the 0 % interest runs out, I was planning on just paying it all off at once. Later I come to find out what they had done is issue me a credit card that was maxed out to the {$5600.00} and that it was a hard inquiry on my credit report. Had I known this I would never have agreed to the financing options. XXXX XXXX has basically said they are sorry and will work on informing their staff to take better precautions on how they advertise the financing. Wells Fargo was unable to assist me over the phone yet.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-04
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. (TX)

The credit bureau are still reporting an issue with this account when XXXX XXXX XXXX  have stated this isnt correct and it need to be updated XXXX attach a letter of this information also Im it sure why transunion, XXXX, and XXXX  is still reporting this issue. Well its really still showing on XXXX
Consumer complaint received 2024-11-04
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. (GA)

I was XXXX XXXX XXXX XXXX in 2003. Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. I have never attended any school nor applied for any loans, nor has my son. I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Consumer complaint received 2018-01-15
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: ENCORE CAPITAL GROUP INC. (AL)

I get a call from XXXX XXXX XXXX and the agent has a really thick XXXX accent and he was calling about two account. Account # 's XXXX and XXXX. He stated that I needed to pay these accounts in full or there will be no other advantages given if I did n't and the next option would to be to have my wages garnished and that the option was up to me. The guy was very rude and unprofessional. This is n't my first time dealing with Midland as they have a affiliate XXXX XXXX and I have went to court back in 2016 and fought them and won. I proved the last time to the judge about them harassing me and threatening me.
Consumer complaint received 2024-10-28
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. (TX)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-11-05
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. (NY)

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. 
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX BALANCED {$3100.00} XXXX XXXX XXXX BALANCED {$1200.00} XXXX XXXX XXXX XXXX BALANCED {$1200.00} XXXX  XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX BALANCED {$590.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-11-08
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. (FL)

I am formally disputing the accounts refleted on my credit file, which were added without my consent. pursuant to section 604 of FAIR CREDIT REPORTING act 15 U.S.C 1681b, there are specific permissible purposes required to report an account on my credit file. I did not authorize theses accounts and I do not find any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNTS XXXX  XXXX ACCOUNTS NUMBER XXXX AND XXXX ACCOUNT NUMBER XXXX
Consumer complaint received 2024-11-04
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. (IL)

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
I looked at my transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty notry the furster of trat iorayor that the alomaton nas been moomed or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

The finished my payments with Discover Student Loans in XX/XX/XXXX. They are FALSELY reporting to all major credit bureaus that I finished my payments with them in XX/XX/XXXX.

I have called and emailed them over 10x and they keep saying " they are working on it ''. first called them in XX/XX/XXXX and it is now XX/XX/XXXX. My credit score and report are negatively effected because of their negligence. They are a hundred million dollar company yet can't figure out to fix an error on a credit report. 

I need them to fix this ASAP and they refuse or act incompetent. 

It does make any sense why they can't simply fix what they are reporting and provide the accurate, correct information
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (ID)

On XX/XX/XXXX experian charged my husband and I 's debit card without us authorizing. We called them immediately and an experian representative said they would cancel our subscription ( that we did n't make in the first place ). Well today XX/XX/XXXX they have done it again same charge. We are on the phone with them again but have been on hold for over 30 mins now, so annoying. Our bank has put a stop to recurring charges from them for a year.
Consumer complaint received 2024-10-28
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. (SC)

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a data breach, I am entitled to have these entries removed to protect my credit, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ).

The accounts in question are as follows : XXXX XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$0.00} The unauthorized inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-08
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. (TX)

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 BANK XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : - XXXX  OF XXXX XXXX XXXX : XXXX XXXX BANK XXXX  XXXX Balance : XXXX XXXX XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX CARD XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance XXXX - XXXX XXXX  XXXX Balance : - Bankruptcy chapter XXXX-discharged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Bankruptcy chapter XXXX-dismissed Filed on XX/XX/XXXX Reference number XXXX XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Inquired on XX/XX/XXXX XXXX XXXX BANK NA Inquired on XX/XX/XXXX XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : - XXXX  OF XXXX XXXX Balance : - XXXX  - XXXX SERVICE XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX DEPARTMENT OF XXXX XXXX Balance : - Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX Court : XXXX XXXX CT Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX BANK XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : - XXXX OF XXXX XXXX XXXX : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX DEPT XXXX XXXX XXXX : - XXXX  CARD XXXX XXXX : - XXXX XXXX  XXXX Balance : {$1700.00} Chapter XXXX bankruptcy discharged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX Bankruptcy XXXX Chapter XXXX bankruptcy dismissed XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX Bankruptcy XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Consumer complaint received 2024-11-08
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. (CA)

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the banks regarding this late payment, and they have approved updating the accounts to " closed or open/never late. '' The banks have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
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. (TX)

I have 4 accounts on all 3 credit monitoring companies that are not being verified correctly and have failed to meet the USC 15 Codes and XXXX reporting standards. The credit monitoring companies are claiming to have verified the information, but after speaking with each of the creditors and they can not verify being contacted for verification of these accounts. 
These accounts have been requested to be removed from my report but the three credit reporting agencies are not following these requests from the creditors. the accounts are as follows. 

XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX These accounts are currently in litigation for identity theft and i am waiting for the police reports to populate. with the results of these findings. I have an FTC Fraud ticket open with these accounts listed and tied to the police reports.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

On XX/XX/18 a fraudulent credit card was obtained with TD Bank NA. The card is an individual credit card account with {$5000.00} credit line. The account number is XXXX with a billing address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. The account has had charges of more than {$400.00} charged between XX/XX/XXXX to XX/XX/XXXX. I have reported this fraud to the TD Bank requesting they close the account and initiate a fraud investigation and dispute resolution. The investigation is ongoing. 

Separately on XX/XX/18 a fraudulent credit inquiry was made by XXXX XXXX XXXX and it's unclear what accounts were established based upon this probe. I have left VM contact with XXXX, but have not received return communications from them. This issue is currently unresolved and no investigation or remedy is in the works.
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX  which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-16
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. (MD)

I discovered around XX/XX/XXXX that XXXX XXXX XXXX XXXX was reporting a Line of Credit loan in the amount of {$12000.00} on my Experian, XXXX XXXX and XXXX reports that does n't belong to me. The account belongs to my mother, and sister. I never applied for nor co-signed for this loan. I was added to my mother 's account as a joint owner so that I can handle her financial affairs since she has XXXX. I disputed the account and received my Experian dispute result on XX/XX/XXXX which XXXX XXXX reported to them that they were reporting it correctly. I called XXXX XXXX and spoke with the loan department and asked them why they 're reporting this account as if it is mine. They told me that because I 'm a joint owner on my mother 's bank account and have access to the Line of Credit that 's why they 're reporting it. I disagreed and told them this ca n't be legal and that I want it removed. They told me the only way they would remove it is if I dropped myself as a joint owner on the account.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (DC)

There was inquires from Onemain on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Consumer complaint received 2024-11-08
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. (TX)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-11-08
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. (GA)

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 any purpose.