davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
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. (DC)

I am contacting you to request the immediate blocking and deletion of certain accounts and inquiries on my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report to maintain its accuracy.

Please remove the following accounts from my credit file : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1300.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$380.00} XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$840.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 Section 602 A State 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
Consumer complaint received 2024-10-31
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 seek your assistance with the misreported account on my credit report. This has been harmful to my reputation as a customer, and I would appreciate your support. Please remove these accounts as they are being inaccurately reported in a negative way.
Consumer complaint received 2024-10-31
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. (FL)

I am contacting you to dispute fraudulent items on my credit report, which I belive stem from identity theft. Pursuant to U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identitytheft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputedinformation identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked. 

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent INQUIRIESfrom my credit report. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (WA)

I want to report deceptive banking practices of Citibank. They were offering a promotion to open a checking account and deposit XXXX within 30 days ( leave in for 60 days ) and receive a XXXX bonus. It seems to me that they would intentionally set up roadblocks to prevent the customer from achieving the benchmarks needed to fulfill the requirements. First off, they do not have a local branch in my state, so everything must be done online or with phone call ( involving being on permahold ). The account was applied for on XX/XX/XXXX, but was not yet approved. After receiving an email in early XXXX that they would need more documents and information before my account would be fully functional. After completing all the extra documentation, I had to go through the process of adding an external bank account so that I could wire funds ( again, no local branch, can not go in person and just deposit money ). I have a transaction on my account that states I transferred XXXX on XX/XX/XXXX, which should be within the 30 day time frame they require. 
After waiting the appropriate 5+ months ( 60 days for the XXXX balance and waiting 90 days for promotion payout ) I reached out to Citi to ask about my promotion. They stated I would receive an email after they looked into the matter. I received an email on XX/XX/XXXX that I do not qualify for the promotion because I did not deposit XXXX within the 30 day time frame because they show that the transfer I did on XX/XX/XXXX did not clear in their system until XX/XX/XXXX. I don't think it is the customer 's fault that it takes 5 days for a transfer to clear their system. I tried very diligently to meet their requirements, but I believe that they make it difficult to do so, and use banking delays deliberately in their favor.
Consumer complaint received 2024-10-31
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. (DC)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-10-31
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 have disputed a address with all 3 credit bureaus several times I explained that I am a victim of identity theft and their system had a data breach and somehow someone as access my personal information and used my information for loans. Credit cards, banks, phone companies ETC. please remove all addresses off my account. I am requesting all documents from each company including signatures that claim any account belongs to me or I will file a lawsuit against all companies and agencies for fraud, identity theft and violation of federal laws.
Consumer complaint received 2024-10-31
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. (IL)

Dear CFPB Team, I am submitting this formal complaint against TransUnion for improperly verifying and updating an account on my credit report without providing the necessary verification documentation. This impacts my credit profile negatively and constitutes a violation of the Fair Credit Reporting Act ( FCRA ).

Complaint Description : TransUnion verified and updated the XXXX account, partially identified with account number # XXXX, on my credit report without providing documentation to substantiate this verification. Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumers have the right to a detailed description of the verification procedure and to receive any document proving the validity of the claimed debt. I have repeatedly requested the following from TransUnion : A complete description of the procedure used to verify this account, including the verification method employed.

The name, address, and telephone number of each person contacted regarding this account, as required under Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the FCRA.

A copy of any document bearing my signature demonstrating a contractual obligation to pay the claimed amount, as outlined in Section 609 ( a ) ( 1 ) of the FCRA.

TransUnion has not complied with these requests, restricting my right to a transparent and accurate investigation. Additionally, any verification conducted solely through the automated E-OSCAR system is inadequate and does not meet FCRA standards.

Impact on My Credit : These inaccuracies on my credit report significantly affect my credit score and hinder my ability to obtain financial opportunities. TransUnions failure to comply with the FCRA represents an obstruction of my right to a fair and accurate credit report. 
Request for Intervention : I respectfully request that the CFPB intervene in this case, requiring TransUnion to adhere strictly to the provisions of the FCRA and provide detailed and complete verification of the reported data on my credit. Furthermore, I ask that TransUnion be required to respond adequately to my requests or to remove this account from my credit file if the data can not be properly verified.

Thank you for your attention to this matter. I am available to provide any additional documentation to support my case and trust that the CFPB will take the necessary action to ensure TransUnions compliance with its legal obligations, thus protecting my rights as a consumer.

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-31
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 am writing to formally request the blocking and deletion of specific fraudulent accounts and inquiries from my credit file, as I am a victim of a data breach and identity theft. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed to maintain the accuracy of my credit report. 
Please remove the following accounts from my credit file : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$59000.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$69000.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17000.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} In addition, I request the removal of the following unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-31
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. (NC)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-11-10
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY (MD)

We had a loan with Wells Fargo in XXXX. There was money that was owe to us the loan was to combine my mortgage and 2nd mortgage should of been together they wrote it off Wells Fargo XXXX I don't owe it but my mortgage said I do. I put in complaint 2 months in my mortgage and they never respond to me
Consumer complaint received 2024-11-08
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (CA)

I received my Wyndham XXXX XXXX credit card and activated on XX/XX/year> - but it arrived with no Wyndham Rewards number attached to it. In their own rules it says the rewards number provided on the card application will be used, and if it's invalid or not provided, then another will be created. A card should not have been issued without a rewards number at all, as the Wyndham rewards and diamond status are the entire point of getting this card. 

I gave my rewards number on the application. 

I even checked the Barclays app online portal and it says no rewards account has been enrolled for the credit card account. 

I contacted the Barclays online chat help on the app 7 days later ( XX/XX/year> ), they said they couldn't do anything and to call Barclays on the phone. Barclays confirmed there is no rewards account attached to the card ( should not be the case ). They said to call Wyndham rewards. Wyndham Rewards sent me back to Barclays. Every employee was saying I had to wait but couldn't say why. An arbitrary XXXX was told to me but no explanation of why. 30 days ( losing a month of possible points and delaying diamond status perks way too long ) was also given but without a reason as to why. 

The final person said they added my member number, and again to wait XXXX days - I assumed the wait was for Wyndham Rewards to accept the linked card but at least that it would show on my Barclays credit card account - but XXXX days later ( XX/XX/year> ) and my Barclays account still shows no member number attached. 

I have read online accounts of people having the same issue and waiting the XXXX days only for nothing to change. It seems they just automatically say to wait XXXX  days but it's arbitrary & just delay tactics. It also doesn't make sense as all it requires is an input of a number on an online profile. It's also massively and unfairly delaying the accrual of points and member status that is supposed to come with the credit card & entirely their mistake.
Consumer complaint received 2019-01-25
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. (CA)

XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on Experian and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2024-10-31
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. (CA)

I am writing to formally submit a complaint regarding multiple fraudulent and unauthorized credit inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are not only inaccurate but have also impacted my credit score and financial standing, causing me significant distress and concern.
Consumer complaint received 2024-10-31
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. (FL)

I am contacting you to dispute fraudulent items on my credit report, which I belive stem from identity theft. Pursuant to U.S.C. 1681c-2, I am requesting that these inaccuracies be blocked promptly. Attached is a copy of my Police Report/FTC identitytheft report ( FTC Report XXXX : XXXX ), which provides clear evidence of my identity theft claim. Under the provisions of 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block the disputedinformation identified as resulting from identity theft within four business days. The following entries on my credit report are associated with this identity theft and must be blocked.

I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent INQUIRIESfrom my credit report. 

Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

This account is more than seven years old US DEPARTMENT OF EDUCATION ( CLOSED ) at XX/XX/2013 I asked the credit bureau to look into. They just sent me a generic answer,
Consumer complaint received 2019-01-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Lendmark Financial Services (DC)

On XX/XX/2019, I received a call on my cell phone from XXXX identified only as originating from " North Carolina ''. I greeted the caller, and a woman who identified herself as " XXXX '' explained that she was calling from Lendmark Financial Services because I was listed as a " reference '' for my cousin, XXXX. I told her I was happy to serve as a reference but I was in transit to work and perhaps she should call later. I said this in an effort to cut off the call because I had not spoke with my cousin XXXX in years. I thought to give myself an opportunity to reach out and check into the validity of the request. XXXX then says she has been having trouble reaching my cousin and perhaps I could tell XXXX to call her. The request seemed odd to me so I asked XXXX to call me back so she could leave a voice mail message with her contact information, that I would not answer, and that she could leave a detailed message so I could then forward it to my cousin. The voice mail message is attached. 

Using the number provided in XXXX 's voice mail message, I called and asked XXXX to give me her full name. She said " XXXX XXXX. '' I then asked if she was calling in regards to providing a " job reference. '' XXXX denied that it was a job reference and said instead that is in regards to my cousin 's account with Lendmark Financial. I asked her if she was using a ploy to contact my cousin about debt. She repeated the term " account ''. I asked to be transferred to her supervisor, who she identified as XXXX XXXX. I spoke with XXXX XXXX and he provided only the same information as XXXX - that I was listed as a " reference '' on an account. I learned later the same day that XXXX left a message to the same effect with my brother. That voice mail message is attached. 

The next day, XX/XX/2019, I had an opportunity to communicate with my cousin. She said that she never provided Lendmark Financial with my name or my brother 's name, much less our personal cell phone numbers. 

I called Mr. XXXX for points of clarification the same day, XX/XX/2019. He said that my cousin provided my name not as a reference but as a contact person to call should XXXX XXXX have difficulty reaching my cousin. When I asked for a copy of the document providing my contact information as provided by my cousin, he said he could no longer speak with me and that I should contact his " home office. '' Mr. XXXX did not seem confident when telling me exactly who in his home office I should contact. I asked if I could speak with XXXX XXXX, the person who initially called me to ask where or how she received my personal cell phone number. Mr. XXXX replied that I should contact the home office.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-10-31
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. (CA)

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 2024-10-31
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. (MD)

I looked at my credit report on XX/XX/year> and I noticed some hard inquiries that do not have permissible purpose. I have attached the following inquiries below : XXXX ) XXXX XXXX, XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
2 ) XXXX, XX/XX/year> This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B. 
3 ) XXXX XXXX XXXX XXXX XX/XX/year>. This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681 B.