davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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)

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 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 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 XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Consumer complaint received 2024-10-24
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: EQUIFAX, INC. (NC)

There was fraudulent transactions made on my Consumber Report, There are two accounts from the same compnay clainimg that I have done business with them in the past, I have no knowledge or no record of these transcations taking place.
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has closed my checking and credit card accounts with claim I am deceased. They told me they did not get authorization from the SOCIAL SECURITY XXXX to label me as deceased either. I have not been able to manage my accounts at all, nor make special deposits because of their error. I was able to do a Live Proof Claim with the banks notary. The XXXX of the bank located on XXXX XXXX in XXXX, XXXX said that I will need a new account and that the new account will have a monthly service fee which is an adverse effect on me because the account they closed did not have that monthly fee.
Consumer complaint received 2023-06-23
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. (CA)

I have been trying to communicate with Trans Union for years on the same issue. They refuse to delete accounts reporting inaccurately on my credit report. They send me letters stating that the accounts have been verified, but refuse to show me proof that these accounts have been validated or verified to be mine. 

In accordance with the Fair Credit Reporting Act XXXX  Accounts : 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 consent.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Accordance with the Fair Cradit Reporting Act : ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. ACCOUT NAME : XXXX XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX XXXX XXXX : ACCOUNT NUMBER : 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 account without my written instructions.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company is showing a past due payment in XX/XX/2018. 

They can not and will not provide statements and payment authorizations to solidify the data on my credit report. 

in XX/XX/2018 I called customer service to change my payment due date and statement date as well as make a payment. The company did not reflect the updates and are reporting a late payment on my account although the account was never past due and/or paid late per the contract. 

I need this late payment removed from my credit report or changed to an on time payment immediately as it is hindering me from obtaining necessary financial products and services.
Consumer complaint received 2024-11-01
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. (MD)

I am writing to inform you that I am a victim of a data breach and request the immediate blocking and deletion of specific accounts from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). The details of the accounts in question are as follows : Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$8300.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$8300.00} Inquiries to Be Blocked and Deleted : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX
Consumer complaint received 2023-06-23
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have worked with XXXX many times to correct the information they are reporting with no changes made to my credit record. I am asking that this account be updated and removed.
Consumer complaint received 2023-06-23
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: 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 Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account 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 XXXX 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 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, 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. 
DPT ED XXXX XXXX XXXX DPT ED XXXX XXXX XXXX 15 U, S, C. 1681section 602 A, States I have the right to privacy. 

15 U, S, C. 1681section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681 c ( a ) ( ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items 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 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I am writing to bring to your attention a serious issue regarding a credit reporting agency 's failure to update incorrect personal information, including names, addresses, phone numbers, and employers. Furthermore, it is evident that the agency 's actions constitute a violation of the Fair Credit Reporting Act ( FCRA ) provisions. I recently reviewed my credit report obtained from Equifax, and to my dismay, I discovered several inaccuracies and outdated information that have not been rectified despite my efforts to have them corrected. The incorrect personal details that remain unaddressed include : Names : The credit reporting agency has failed to update outdated and incorrect names associated with my credit profile. This has led to confusion and potential misidentification when my credit history is assessed. 
Addresses : Despite numerous requests to update my current address, the credit reporting agency continues to report previous addresses that are no longer valid. This misinformation could potentially affect my eligibility for credit and create unnecessary complications when conducting financial transactions. 
Phone Numbers : The agency has neglected to update incorrect phone numbers associated with my credit profile. This oversight not only compromises my ability to be contacted in case of legitimate credit inquiries but also raises concerns about potential misuse of my personal information. 
Employers : The credit reporting agency has failed to accurately update my employment information, listing outdated or incorrect employers. This misrepresentation of my employment history could negatively impact my creditworthiness and distort the accuracy of my credit profile. These persistent errors and the credit reporting agency 's failure to address them demonstrate a clear violation of FCRA laws. As outlined in the FCRA, consumers have the right to expect accurate and up-to-date information in their credit reports, and credit reporting agencies are obligated to ensure the maximum possible accuracy of the information they provide. I have made repeated attempts to resolve these issues by contacting the credit reporting agency directly and submitting formal disputes through certified mail. However, despite providing clear documentation supporting the necessary updates, the agency has not taken any action to rectify the inaccuracies within the required time frames.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to inform you that I am a victim of identity theft due to a recent data breach. As a result, fraudulent accounts and inquiries have appeared on my credit report that I did not authorize. 
In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$13000.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 XX/XX/XXXX
Consumer complaint received 2023-06-23
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. (NY)

I have fraudulent accounts on my credit report, which I reported to XXXX XXXX XXXXXXXX XXXX and U.S. Department of Education yet they are not removing this fraudulent account. XXXXXXXX XXXX XXXX XXXX and U.S. Department of Education have no right to refuse to remove this fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX  and U.S. Department of Education have refused to do this. The followings are the fraudulent accounts : XXXX XXXXXXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX  XXXX, U.S. Department of Education/ XXXX XXXX XXXX XXXX XX/XX/2020 Balance {$780.00} and U.S. Department of EducationXXXX XXXX Date opened XX/XX/2020 Balance {$460.00} that were opened at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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.
Consumer complaint received 2023-06-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

On XX/XX/2023, I noticed through XXXX XXXX that Transunion had dropped my score by XXXX points. When I pulled my credit report, there were no negative items that I could contest. I called Transunion and spoke to a customer service agent sho also said she could not see any reason for a decrease, but told me that I would need to review my report and contest anything incorrect. I said Id already reviewed it and asked her how I could dispute it if there were no negative items. She transferred me to a supervisor and he said the same thing. He then transferred me to XXXX XXXX supervisor of fraud customer service. We went through the same circle and she said that paying off my credit cards may have decreased my score. I pay my cards off every month. Their website indicates that reducing credit utilization will improve credit score. When I pinged that out to her, she hung up on me. I callled back and went through the same process, but was connected to a different person who also hung up when I asked what my options were when they could not tell me why my score was being decreased without reason. I was not rude our yelling, but was obviously frustrated. These agencies control my access to good credit terms, but seem to have no accountability or transparency. If the reduce my score and cant tell me what I can do to address it, what options do I have?
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (GA)

On my XX/XX/XXXX billing statement, I noticed a charge for {$700.00} at a XXXX on my employee 's card on XX/XX/XXXX. I called Chase 's fraud department and let them know and was refunded the {$700.00}. 

A few months later on my XX/XX/XXXX statement, I noticed the same charge from XX/XX/XXXX appear. Chase had NOT notified me that they had decided to recharge me, meaning if I was not attentive to my statements, I would have been paying an extra {$700.00} for no reason without knowing. I called them again and this time they said they think the charges are correct because the physical card was used. However, my employee or I have not been to a XXXX in years as you can see we always shop at XXXX instead. Chase said they would file another investigation. I don't believe they did. 

I called again on XX/XX/XXXX to see what was going on since they have not refunded the charge and this time I learned that the purchase was for {$700.00} in ONLY gift cards. This is THE most common textbook case of fraud and while I explained that to them and they agreed, they said that their chip technology in the credit cards is so accurate that it is impossible that it is fraudulent. 

The only issue with that is a XXXX minute XXXX search shows that MANY other people have had the same exact situation so Chase is wrong about how secure their chip technology is. Why would we purchase such a large amount in ONLY gift cards? There is no prior history of that activity. 

I am currently now waiting on another reinvestigation. The agent on the phone told me if I could provide any documentation saying that I was not at the XXXX but how possible is that realistically? 

This is why I decided to file a complaint through CFPB as I feel I have no other actions to right this wrong. I did nothing wrong but am being punished for it. I am a 10+ years customer of Chase and this is the first time this has ever happened and Chase would rather NOT give me the benefit of the doubt and instead deem that we are trying to scam them after 10 years? Terrible service and unfair treatment
Consumer complaint received 2023-06-23
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Below, you will find Transunion is in violation of my rights as along with the FCRA. Transunion has failed to show proof or validation that they used to confirm that said account belongs to me as I have no knowledge of the account. Under 15 US Code 1681d ; Disclosure of investigative consumer reports States that the consumer reporting agency must provide me with information was used to verify said account. This is a clear violation under the FCRA. 
I do not recognize an open date, original amount, a charged off account, credit limit or a past due limit. 

Per the FCRA, this account is providing inaccurate information on my consumer report. Per the FCRA, I XXXX recall opening this account and it is in violation showing a past due amount, This is clearly a violation of the FCRA. 

Account Details Account Details Payment Status Account Number 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
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (TX)

I received several calls from Navient saying I owed a student loan to XXXX XXXX XXXX. I never took out a loan from XXXX XXXX XXXX. I asked them is the call recorded they stated yes. The dates that they provided for XXXX state was inaccurate as I did not attend and those said dates. I paid private pay out of my own pocket with XXXX state and I can provide proof if needed. I asked them to provide me the documents I signed with me taking out a loan to XXXX state nothing was never provided. They also have this delinquent on my credit report for 180 days messing up my credits profile. Please pull calls that were made to me. I told them they have inaccurate information as it pertains to me and I have no idea where they get that information from. Please assist me with resolving this matter. I also have PSLF all of my loans should be in that status. XXXX XXXX XXXX XXXX XXXX