davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I checked my credit report and seen some inaccurate information. Or my information was illegally sold. I am not liable for this debt with XXXX XXXX solutions, orignal creditor is bridgecrest. I requested an original copy of contract with my signature around 30 days ago. They have not provided me with the contract
Consumer complaint received 2024-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: NEW YORK COMMUNITY BANCORP INC (CO)

Flagstar Mortgage has fraudulently managed my HELOC. They set up my account so that I was unable to make payments online. And despite the fact that I had called them many times and had set up my account for auto-draft, and despite the fact that they would claim on the phone that my account was current and up-to-date, sometimes even the next day I would get a warning that my account payment was overdue. 

I have been calling and calling and contacting their fraud department and even the highest office I can ( where she confirmed months ago the company had messed up my account and that they would remove the " late payments '' marks on my credit ), NOTHING Would happen. I've been calling them for months. And even now, each month it marks my account as overdue. 

This is outright fraud. I have many documents, emails and many many phonecalls. In the summer when they told me they were " investigating '' they wouldn't even LET me make payments on the phone, and yet my account each month gets a ding on my credit. Flagstar head investigator, XXXX XXXX assured me at the beginning of XXXX that this would be cleared up and off my credit report, yet I heard nothing. I finally got a hold of the manager she said would take care of this, XXXX XXXX, XXXX said she didn't know what I was talking about. She said she would investigate and call me back, and STILL NOTHING! I just got another hit on my credit. I've lost my dream home and now my credit cards have lowered my credit limits because my credit is so horrible 100 % because of FLAGSTAR back. 

Please investigate them for fraud immediately.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (DE)

Wells Fargo is reporting {$2800.00} for job not authorized. I no longer live at the house which was sold during XXXX. ( XXXX ), A saleswoman came to the house in XXXX to sell windows. I advice her that I was moving and did not need it. She pursued me to fill an application out and went over packages. After weeks she told me someone will get a hold of me to go over products and pricing. 
I called XXXX XXXX and they advised that due to XXXX there will be a delay in getting materials. I told them to disregard as I was selling the house. I was sent a Wells Fargo credit card which I destroyed. Next thing I know XXXX years later they are billing me and put it on my report. This is erroneous!! 

Due to identity theft credit cards were taken out in my name without permission : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (FL)

I checked my credit and saw an account from PHOENIX FINANCIAL SERVICES for  XXXX  Hospital in the amount of {$100.00}. Please be advised this debt reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

PHOENIX FINANCIAL SERVICES did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against PHOENIX FINANCIAL SERVICES should this item not be deleted within the required time allowed by law. 

PHOENIX FINANCIAL SERVICES is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.
Consumer complaint received 2024-11-15
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (SC)

My name is XXXX XXXX, I am writing to file a formal complaint regarding the handling of my Time Account ( CD ) ending in XXXX by Wells Fargo Bank , N.A . I believe this situation warrants your attention due to the financial impact and the lack of appropriate customer service. 

On XX/XX/year>, I called Wells Fargo to request the closure of my Time Account ( CD ) ending in XXXX. This request was made within the accounts grace period, as per the terms and conditions. However, as of today, XX/XX/year>, the account remains open. After following up, I was informed by a Wells Fargo representative, XXXX XXXX XXXX, that the initial account closure request was not processed properly on XX/XX/year>. XXXX XXXX assured me that a new form was to be submitted on XX/XX/year>, and that the funds from the CD should be transferred into my savings account no later than XX/XX/year>. 

As a result of this delay, I have suffered financial losses, as the funds from the CD have not been available for reinvestment. Specifically, I was unable to invest {$10000.00} in stock, which has caused me to lose more than 25 % in potential returns. This failure to close the CD account and transfer the funds promptly has caused considerable inconvenience and financial harm. 

In addition to this issue, I have experienced prior customer service challenges with Wells Fargo that further underscore the need for intervention. Most recently, I had difficulty paying off an XXXXnstallment Loan online. Despite my attempts, interest continued to accrue on the loan ( the interest was finally waived ). When I contacted customer service, I was informed that I could not transfer funds from my savings to the loan and was told to call back on the next business day to speak with the loan department. I find it unacceptable that I was asked to contact a separate department to handle a simple loan payment. I eventually resolved the issue by stopping the automatic draft and manually paying off the loan, but the process was unnecessarily complicated.

As a Wells Fargo customer, I am disappointed by the continued service issues and the failure to close my Time Account ( CD ) in a timely manner. I am requesting that your organization investigate this matter, ensure that my Time Account ( CD ) is closed, and the funds are transferred to my savings account as initially requested. Additionally, I ask that you address the ongoing customer service issues I have encountered with the bank. 

I would appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely,
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX {$50.00} XXXX XXXX  BALANCED {$1600.00} XXXX XXXX  BALANCED {$700.00} XXXX XXXX XXXX XXXX XXXX {$8900.00} DEPT OF EDUCATION/XXXX  XXXX XXXX {$3800.00}
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-10-30
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. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name isXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-30
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. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS?

I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date XX/XX/year>. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-10-30
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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (SC)

Transunion is refusing to handle my request to investigate accounts on my credit report that appear to be inaccurate and incomplete. I sent a letter to Transunion on XX/XX/year>, asking them to correct or delete each item they can not verify as accurate and complete. I provided all the necessary documents, including my Driver 's license and proof of address, to ensure they could verify my identity and properly handle my dispute. However, this week, I received mail from Transunion stating that my letter does not appear to have been sent directly or authorized by me. I do not understand the basis for this conclusion, especially since I am the one who sent the letter. I feel my rights as a consumer were not respected in this process.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-10-30
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. (MA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-11-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MO)

Citi Bank Visa fail to cancel my card and issue a new one once i reported the fraud charges. The fraud team could not speak XXXX clearly. I ask for another person. The person wasnt much better. I got a new card 3 months later. They use a script to answer my question. Could not have a regular conversation. I had refuse to pay and they hurt my credit rating. I also did not activate the new card. This happen XXXX if 2023. They harass me on the phone and ask the to stop calling me. I would recieved letters stating they wanted me to call. I called before their deadline. Then they gave me a letter stating i did not call and decline to investgate after several months of contact.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.