davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I deposited a check from my attorney which was from a XXXX XXXXXXXX XXXX account for XXXX XXXX. I have not had any issues with my account other than the funds being low because I have been out of work all of 2022 due to a car accident and a decline in the mortgage industry. My bank Truist just decided to place a 10 day hole on my funds. My account was not negative and I do not bounce checks so why are they able to do this to me? They hit me with a mysterious nsf fee last month and had to refund this to me because the bank employee said it was an error. I simply want to know why I am being harassed by this bank with my money and charged unlawful fees and having holds placed on my deposits its insane.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I bought my a condominium in XXXX at a much inflated rate and agent of Wells Fargo Bank suggested a program to finance my home. It has been financed in XXXX loans - XXXX XXXX year ARM and another XXXX years conventional fixed mortgage. Later I came to know none of these are financed by any of federal agencies - XXXX XXXX or XXXX XXXX. When house price collapsed, my home price lost its value. I could not lower my monthly payment by refinancing. I approached Wells Fargo Bank several times to lower my interest rate as was done by my XXXX lender, XXXX. In all circumstances I was turned down because of my negative equity. WFB did not qualify me for any of the HUD programs. I kept paying at higher rate but keep losing money in interest as well as ability to move out of bad debt without declaring foreclosure.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.
Consumer complaint received 2023-05-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (MA)

I opened an account with XXXX by Goldamn Sachs on XX/XX/XXXX. This account had a signup bonus of {$100.00} if I kept {$10000.00} in the account for 90 days from the date of deposit. I deposited the required funds on XX/XX/XXXX, realized I messed up on not activating the signup offer first and did a reversal on XX/XX/XXXX, activated the offer that same day, and re-deposited the {$10000.00} on XX/XX/XXXX. These funds havent been touched since. More than 90 days have passed and XXXX has not paid out the {$100.00} bonus that I shouldve been eligible for already. I contacted XXXX on XXXX and the agent I spoke to said she would open a case for me and it would take 3 business days to resolve. On XX/XX/XXXX I contacted XXXX over the phone for an update and they said that they removed the offer from my account in error and that with the case being open theres nothing they could do as there was no other update at that time. Ive contacted XXXX 2 more times since and I keep being given the constant run-around, agents regurgitating the same message that case is still being reviewed every time Ive contacted support since. A supervisor I spoke to last time said that the bonus would be credited manually but that there is no timetable for that. XXXX has failed to meet the terms of the signup offer for my XXXX savings account and at this point I dont know what else to do.
Consumer complaint received 2024-09-03
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-05-23
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. (FL)

Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies are in violation of 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information.

According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided by Experian, XXXX, and XXXX I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that XXXX, Experian, and XXXX take immediate action to address the following : XXXX a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that XXXX, Experian, and XXXX will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution in accordance with the requirements outlined above. 

Sincerely,
Consumer complaint received 2023-05-25
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. (CA)

Please remove the XXXX XXXX XXXX from XX/XX/2023 inquiry and see FTC report with names and dates attached. ID attached with address thanks
Consumer complaint received 2023-05-23
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. (MS)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-23
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Subject : Request for Removal of Late Payments and Inaccuracies - Account Number XXXX I am writing to request the removal of late payments and inaccuracies from my credit report, specifically regarding the account with account number XXXX, held with XXXX XXXX XXXX. These late payments and inaccuracies violate 15 U.S.C. 1681a, which guarantees my right to privacy and accuracy of information. 
According to 15 U.S.C. 1681a, as a consumer, I have the right to expect that the information in my credit report is accurate and reflects only valid transactions and experiences. However, upon reviewing my credit report provided byXXXX, Experian I have discovered several instances of late payments and inaccuracies associated with the account. These discrepancies not only misrepresent my financial history but also infringe upon my right to privacy as protected by 15 U.S.C. 1681a. 

Considering the above, I kindly request that XXXX, Experian takes immediate action to address the following : Conduct a thorough investigation into the late payments and inaccuracies associated with account number XXXX. 
Remove all late payments and inaccuracies from my credit report that are not in compliance with 15 U.S.C. 1681a. 
Update my credit report to accurately reflect my payment history and remove any erroneous information related to the account in question. 
Provide written confirmation of the corrections made to my credit report within 30 days. 
I expect that XXXX, Experian will handle this matter with the utmost urgency and resolve the violations of 15 U.S.C. 1681a promptly. It is crucial that my credit report accurately represents my creditworthiness and financial history, and that my right to privacy is respected. 

Thank you for your immediate attention to this matter. I anticipate a swift response and resolution by the requirements outlined above. 

Sincerely,
Consumer complaint received 2023-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IN)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have tried to request my free annual credit report online from Transunion and they refuse to give it to me. I have called their XXXX number for the free annual report. There they tell me I have to wait 5 weeks to get a report if I request by phone. They want me to give them my phone number to complete the request, I do not wish to do so because I do not want SPAM calls from them. THis is unnacceptable I am in the process of buying a home and have a new collection account which, by law, I am supposed to be able to dispute. Their lack of response is causing me great distress. I dont have time to submit a dispute through the mail or wait 5 weeks for a credit report. Unacceptable.I find it disturbing that these companies get away with being incompetent and get away with it. even make XXXX on poor consumers and greatly affect their lives.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am filing this complaint against Trans Union, because Trans Union has ignored my repeated request, to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that Trans Union has gone past the XXXX day mark and can not verify these items, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to promptly delete all information which can not be verified, that I have disputed. Please assist me in making Trans Union obey the law and delete this unverified information from my credit report
Consumer complaint received 2023-05-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I submitted a complaint last XX/XX/2023 and the companies updated my credit report. Some got deleted but there are still fraudulent items reporting. I submitted a complaint again last XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are multiple fraudulent inquiries on my credit report. I have reached out to these credit bureaus and companies multiple times in regard to the fraudulent inquiries and they're still reporting on my creit report. 
I'm reaching out regarding these inquiries and for assistance to remove these inquiries from my credit report immediately.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report.
Consumer complaint received 2016-11-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm applying for a home loan and just found out there a negative posted on my credit report. 
The creditor is the XXXX XXXX in XXXX, Texas. I 've shared an apartment there in the past XXXX XXXX ). When I moved to California in XXXX, I 've ensured with the apartment that there is not what soever balance in my name and asked them to remove my name off the apartment. Now, I found out that they have posted a balance over {$3000.00} against my credit report.
Consumer complaint received 2016-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX account XXXX is reported twice on my Trans Union Credit Report. Once under XXXX ( accurate ) and again under revolving ( iduplicate ). If you look at the attached report you will see on page XXXX the reporting from all three credit agencies on the account under real estate. Then on page XXXX Trans Union ( not Experian or Equifax ) Reports the XXXX trade line a second time under revolving credit.
Consumer complaint received 2023-05-23
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. (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.

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 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My issue is I've had my personal information " Name '' " Address '' " Employers '' being reported on my consumer report inaccurately I've asked the consumer agency " Experian '' to correct this numerous times and yet I have not been assisted in having this information updated correctly again its still being report after months of trying I will enclose all of the information that is needed so that my personal information is updated and reported correctly under the FCRA rules and regulation states that a consumers credit report is supposed to be accurately reported and if it is not then those items are to be removed from my consumer report i also disputed other items as and I have received an emailed from Experian stating : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

I, was the one who requested all of THIS INFO YES IT WAS ME THAT requested every thing that was disputed it was all sent by me the consumer so I do not know what they're assuming and they have not moved or made any effort in correcting my consumer report which they are in clear violation of ENCLOSED BELOW IN THIS COMP [ LAINT IS MY LETTERS AND DISPUTES THAT WERE SENT TO THEM A NUMBER OF TIMES