davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

Experian Credit Bureau has allowed the " creditor '' XXXX XXXX XXXX to continue to reporting negatively on my credit report even after I have disputed this account several times. Both parties have failed to provide me adequate information to validate or verify this account. So I want it deleted from my report immediately. I have done my very best to keep my credit in good standing and this negative information does not help my credit file.
Consumer complaint received 2024-11-13
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. (CA)

I recently obtained a copy of my credit report and I discovered multiple inaccuracies and unauthorized accounts/information reported to my credit report. These remarks have negatively impacted my life and credit health detrimentally.
Consumer complaint received 2015-04-27
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (PA)

XXXX & I fell into financial hardship when XXXX lost her job in XXXX. We filed bankruptcy, chapter XXXX in XXXX of XXXX and were discharged in XXXX of XXXX. During this time with XXXX children we could not afford the payment to the trustee [ {$600.00} per month ] and our mortgage. I missed approx. XXXX mortgage payments, however, foreclosure proceeding did not begin or occur at anytime since we were protected by the " automatic stay '' of the bankruptcy law. 

In XXXX of XXXX, Wells Fargo Mortgage approved us for a remodification under the new federal law for FHA loans however charged us exorbitantly high capitalized interest ( noted as " New Money '' on page XXXX ) in the amount of {$46000.00}. To be honest, we were both naively under the impression that our principal balance we remain at {$240000.00}, as it was before our filing of Chapter XXXX in XXXX. 

Since we have XXXX children, keeping our house was most important to us so we accepted the remodification and signed the documents at our local Wells Fargo Branch. We did not know we would get hit this hard in delinquent interest, other unknown fees, and feel Wells gouged us placing us well underwater on our loan. 

We also both feel we should have been offered a better finance rate than 4.25 %. If the " New Money ( Cap ) '' was lower and so was the annual rate this could be potential difference of {$100.00} - {$200.00} per month. Which is a big deal to a family of XXXX in XXXX. 

Thanks you in advance for any help you can provide in this matter. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-11-13
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. (PA)

I am writing this final demand to formally address the unresolved inaccuracies on my credit report, which have persisted despite multiple previous disputes. As you are aware, XXXX has already conducted a thorough investigation and successfully removed the negative items in question. It is wholly unacceptable that both TransUnion and XXXX continue to report these inaccurate and invalid accounts, despite XXXX findings.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : CFPB Complaint Regarding XXXX  XXXX XXXX  Credit Reporting Errors Dear Consumer Financial Protection Bureau, I am writing to seek your assistance in resolving a persistent credit reporting issue with XXXX XXXX XXXX XXXX XXXX ( XXXX  ) that has significantly impacted my credit standing despite multiple attempts to resolve the matter directly. 

During my regular credit monitoring, I discovered several erroneous late payment notations on my XXXX  account. What makes this situation particularly frustrating is that I have been enrolled in XXXX XXXX automatic payment program, with payments consistently processed on the XXXX of each month. I have maintained detailed records, including bank statements and payment confirmation emails from XXXX, all of which verify timely payments during the periods in question. 

On XXXX XXXX, I spoke directly with XXXX  representative XXXX XXXX about these inaccurate reports. During our conversation, XXXX XXXX acknowledged that my payments were indeed received on time and explained that the late payment notations were the result of a technical error during their system upgrade. Despite this admission and my multiple follow-up attempts to have this corrected, XXXX  has failed to remove these erroneous marks from my credit report. 

The impact of these incorrect late payment reports has been substantial. My credit score has decreased significantly, affecting my ability to secure favorable credit terms. I have diligently attempted to resolve this matter through multiple channels, including : - Direct communication with XXXX  representatives - Formal written disputes with the credit union - Credit bureau disputes- Multiple follow-up calls and emails I am seeking your intervention to ensure : 1. The immediate removal of all incorrect late payment notations 2. Updates to all credit bureaus reflecting my actual payment history 3. Written confirmation of these corrections 4. Appropriate measures to prevent similar errors affecting other consumers As a consumer who has maintained responsible payment practices, it is particularly disheartening to have my credit standing damaged by acknowledged technical errors that XXXX  refuses to correct. I believe this situation clearly violates the Fair Credit Reporting Act 's requirement for accurate credit reporting and proper dispute investigation. 

I appreciate your attention to this matter and look forward to your assistance in resolving it. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX  Date of Birth : XX/XX/XXXX  Social Security Number : XXXX
Consumer complaint received 2024-11-13
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2015-04-27
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (NY)

I initially went on XXXX to get my free credit report. After I chose XXXX it said I had to mail in a letter by mail and get it mailed to me. I was going to look at a house and wanted it immediately, so i followed the link to Experian. It said I could view my credit report for {$1.00}. In fine print it said I was signing up for Experian XXXX XXXX services and would be charged {$1.00} per day which I did not realize. Once I saw daily {$1.00} charges from Experian in my credit card transactions I called to cancel. They assured me there would be no charges and I had caught it within the 7 day " free trial '' period. This was on XXXX XXXX. Then on XXXX XXXX and XXXX XXXX I was charged for {$24.00}. I called XXXX, XXXX XXXX and they verified that my account was inactive but found that XXXX people signed up for their services using my credit card number. These are the only unauthorized purchases on my card. I find it convenient that their response to this was to call my credit card company rather than reimburse me and report it as fraud. And then of course they tried to sell me their services. They want me to give them MORE money after they just put me through this hassle and allowed people to charge my card in my name. I find these extremely deceptive from a company that is supposed to be helping to protect people 's credit. Did they have a security breach in the last month that I dont know about? I dont know how anyone could have my card number and why they would use it just for credit report services. Now I will have to watch my credit reports but I will definitely not be giving them a dime. Especially when they are unwilling to refund me these charges. I dont believe my credit card company should be responsible for refunding me those charges. 
XXXX XXXX, Certified Financial Planner ( TM )
Consumer complaint received 2024-11-13
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. (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 USC 1681. I told XXXX, transunion XXXX XXXX to reinvestigate these accounts, however, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity and much more is incorrect. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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.

I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible.
Consumer complaint received 2024-11-13
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. (NJ)

XXXX XXXX XXXX the credit reporting agency is reporting fraudulent information to my credit file and i am requesting that your company removes these accounts. To this complaint will be a copy of the FTC report with those fraudulent accounts.
Consumer complaint received 2024-11-13
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. (CA)

On XX/XX/year>, XXXX sent me an email stating that my account was 19 days past due. During that time, I was also dealing with XXXX XXXX preparations. I submitted payment to XXXX on XX/XX/year> which was not honored by my bank due to their inability to contact me because of the Hurricane. I have had fraud on my external account and the bank was not sure whether or not to honor the payment. 

However, when I did receive information that the payment had an issue, I went into the system and reinitiated another payment to cover my car payment through XXXX. Instead of initiating the payment, the system had disconnected my account from the payments and did microdeposits instead stating that they would be verified within 2 to 3 days. The microdeposits were initiated on XX/XX/XXXX. I still had three days left before the end of the month to verify the deposits and get my car payment in before the month was over. 

According to XXXX 's email which is attached to this complaint, on XX/XX/XXXX my account was 19 days past due. Even with the payment issues, XXXX received payment on XX/XX/year>, which would've had my account at 29 days past due. 
However, XXXX reported my account over thirty days past due despite its system glitches, the fact that I was supposed to be in a Disaster relief deferment and the fact that it didn't honor the communication or miscommunication about how many days past due I actually was. 

I have had this account with XXXX for 4 years and I have never been over 30 days late in the history of the account. I am requesting that this account be brought current based on the fact that there were system issues. 

Lastly, I was also supposed to be covered for Disaster relief assistance which obviously I was not. XXXX deferred my payments for XXXX and XXXX instead of XXXX as requested.
Consumer complaint received 2024-11-13
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. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-11-13
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. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (FL)

I made XXXX merchant disputes in XX/XX/XXXX, under the case XXXX, XXXX, XXXX, XXXX but until now I dont have received any letter, information or update about my case. 
Also the bank didn't request any supportive documents for the case.
Consumer complaint received 2024-11-13
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. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was looking for a network switch. A XXXX user, XXXX, reached out to me that he has XXXX. 

Originally, I insisted to go with the XXXX XXXX and XXXX, which is the typical way. However, he said he does not use XXXX and he prefers XXXX XXXX or XXXX. He also XXXX sent me a photo with the item and his XXXX id as the timestamp to obtain my trust XXXX XXXX XXXX XXXX Since I don't have a lot of knowledge on these types of scams, I trusted him and transferred him {$200.00} using XXXX via XXXX Chase Bank XXXX XXXX XX/XX/year>. This name is showing as XXXX XXXX and his phone number is XXXX About XXXX hours later, I lost contact with him and his XXXX account got suspended. I tried to call his number and no one picks up the call. 

Hence, I called Chase bank immediately to report the scam. They told me that I transferred via XXXX. Hence, I need to reach out to XXXX. 

After calling XXXX, they told me that I transfer through Chase Bank 's app, which is not their own app. Hence, I need to reach out to my bank to file the claim. 

I called Chase bank again, but they told me that I should definitely reach out to XXXX. There is nothing they can do. 

I know I was stupid enough to trust someone from the internet. I am very regret of it and learned my lesson. However, I am pretty upset that neither financial institution is even willing to help. Especially, given I know the scammer 's name and phone number, I am surprised that they are not even wiling to do something with it.
Consumer complaint received 2024-11-12
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-13
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. (IL)

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 pre presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation ) XXXX XXXX XXXX  balance {$1700.00}, XXXX XXXX Balance {$13000.00}, XXXX, XXXX XXXX {$33000.00}, XXXX XXXX Balance {$900.00}, XXXX XXXX balance {$590.00}, XXXX XXXX balance {$540.00}, XXXX balance {$1400.00}, XXXX XXXX balance {$3100.00}