davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$750.00}, {$500.00}, {$4000.00}, {$800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13.  See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$750.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$800.00} -This is not my account.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX  RETAIL Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Acct # : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX, has violated my rights. 

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 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 ) ( 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 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

. I submitted my dispute/complaint to XXXX XXXX on XXXX  XX/XX/2023. Stating that 15 U.S. Code 1681b - Permissible purposes of consumer reports. Is the cause of the dispute. For the amount of {$2500.00}. Furthermore, The amount was paid for when the account was XXXX  : XXXX with signature. After their review ( XXXX  XXXX ) their reply and response was to PERMANENTLY leave it on the credit report. Please see link below. 
15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (AK)

I was charged {$910.00} in the year XXXX in overdraft fees. I called the company to request the funds be refunded since they had kicked out the overdraft fees during this time. I was given 3 overdraft fees refunded and they removed the protection off my account and suspended it. I requested the remainder since my account always had funds, direct deposit from my employers, and they removed the fees entirely for all customers. They had refused and will not further assist me.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Account Number : XXXX has violated my rights. Or list of inquiries 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 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 ) ( 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 2023-02-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a fraudulent hard inquiry appear on my TransUnion and XXXX credit reports on XX/XX/XXXX. The source of the inquiry was XXXX XXXX XXXX. 

I called on XXXX, XXXX XXXX XXXX, and TransUnion on XX/XX/XXXX. 

TransUnion required me to mail documents. I was told what documents to send. Those are attached to this complaint. I mailed these in a white envelope, hand addressed, on XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX sent something out stating that the inquiry was fraudulent and I uploaded documents to XXXX. The inquiry was removed from my XXXX credit report by XX/XX/XXXX. 

I followed up with a couple calls, probably a week apart, to TransUnion. 

One representative told me that they couldn't use my documents because I did not have a report number on this. ( I was later told by a TU supervisor that this was not true since I sent a copy of my drivers license ). 

Another representative told me I had to have a letter from XXXX XXXX XXXX. I called XXXX XXXX XXXX back and they told me they had no such process, but would send another alert to the credit bureaus that the inquiry was fraudulent. 

I received a letter from TransUnion saying something about a 3rd party working on my behalf. I ignored it, since I did not and have a 3rd party working on my behalf at any point in this process. 

I called again on XX/XX/XXXX and was told by this TransUnion rep that they would reach out to XXXX XXXX XXXX. 

I called on XX/XX/XXXX. I was on the phone for over an hour with XXXX supervisors. I was told that I had to resubmit my forms because a department, which I could not speak to, had determined that my forms had been sent by a third party. Again, I have attached these forms below and you will see no evidence of a third party. I asked why resubmitting them would result in a different outcome, and the supervisor had no answer. 

This supervisor said she would reach out to XXXX XXXX XXXX. Since that did not work the first time, I have no reason to believe it will work this time. 

Additionally, TU has a chat function on their website. I had a couple experiences of submitting a chat and having it indicate that a representative would be with me soon. It would be a couple hours before the representative would respond.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-12-13
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: Experian Information Solutions Inc. (TX)

XXXX opened an account under my name, social security number etc without my consent. I got mail from XXXX saying congratulations on opening an account.I called fingerhut to close any account because I was not interested in their services. They first said I didn't have an account. I got another piece of mail with a card in it with my name. I called XXXX again and this time they told me it will be closed. Now it appeared in my credit report. I have the Experian app that said there was a change. XXXX appeared on my credit report. Experian never investigates or protects the consumer Experian refuses to remove it Experian refuses to remove my student loans that are more than 8 years
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name:XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : # XXXX has violated my rights. Or list of inquiries 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 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 ) ( 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 2023-02-21
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. (GA)

In accordance with the Fair Credit Reporting Act. The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 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 the information is inaccurate. 15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions... 

Inaccurate Accounts : XXXX XXXX ( Delete account, Not my account, Fraudulent account ) XXXX- ( Account paid and closed, Never had late payments, Reporting out dated information, Company charged me a down payment for a credit transaction, Delete late payment history and update account ) XXXX XXXX XXXX XXXX ( Never had late payments, Delete late payment history and update account ) XXXX XXXX XXXX XXXX- ( Never had late payments, Delete late payment history and update account ) XXXX- Not mine, Fraudulent inquiry, No authorization to pull my credit profile, Delete inquiry and update profile. 

XXXX Not mine, Fraudulent inquiry, No authorization to pull my credit profile ... Delete inquiry and update profile. 

I've disputed these accounts all of 2022 starting in XXXX and they are still being reported inaccurately on my credit profile. These companies are not doing any proper investigations. How does this continue to happen and be allowed?
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Since I upgraded to the Macy 's American Express card, I am unable to see any transaction on the activity section of my online account. I have contacted technical support multiple times. I heard multiple reasons as to why is it not working, from removing the card from the online profile, then adding it again, which did not fix the problem ; to only transactions made at Macy 's will show there, which seems strange seems why would they offer an American Express version with such a limited online system.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with Fair Credit Reporting Act this creditor has violated my rights under the 15 USC 1681 section 602 states that i have the right to privacy, 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions, under 15 USCs 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.
Consumer complaint received 2023-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To whom is reading this. I am writing this because I am being told by XXXX and transUnion that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 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  has violated my rights. 

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 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 ) ( 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 2023-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY (MA)

American Express repeatedly and consistently makes false claims when it responds to consumers complaints filed with CFPB. 

I informed American Express multiple times in the past 22 months that their system is incorrectly processes mail that is addressed to me. While I am able to receive the letters from American Express that are prepared in response to my complaints to CFPB as those contain my correct mailing address, American Express credit card statements, refund checks, actual plastic cards are consistently mailed to wrong addresses. 

Despite the fact that I contacted American Express in the past and informed them about my correct address, American Express continues to make false statements that it is using my correct address. 

In the most recent response, which is attached, American express failed to list the address to which they mailed the {$50.00} check for the amount they owe me and have not provided a copy of the envelope in which they had mailed the check. A simple visual check would have revealed the errors American Express is making, but it is refusing to perform a simple quality control function. 

American express claimed that it tried to contact me via telephone, however after my conversations with American Express in the first half of XX/XX/2018 that lasted more than an hour each, I requested American Express to communicate with me in writing. I had not received any questions from American Express in writing after I submitted information to them through CFPB portal. 

American Express also stated in the attached response that they are refusing to process a refund for the credit balance I had in my account. I believe the company is violating some of the federal regulations by doing so.
Consumer complaint received 2023-02-20
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. (GA)

All 3 credit bureaus have not provided proof from the holder ( XXXX XXXX XXXXXXXX ) of verification from the holder regarding a bankruptcy.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX has violated my rights 15 USC 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy