davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas violated my rights.

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 2023-08-28
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: U.S. BANCORP (OR)

I bank at United States Bank in XXXX XXXX, oregon. complaint is I've been with over 10yrs and never have over drawn or behind of paying my credit card off. I have a debt and credit card? Several time I have ask for increase of XXXX 's and turn down all the time. There looking at credit score which is fair etc. There not looking at the my history with there bank. This is want there judging me for. Went to the manager of the bank and she gave me XXXX excuse. I don't believe her at all. This is not fair at all. I have another credit card with good standing and they increase my limit. Yet my own bank won't increase my limit... Pleas what can you do about this. I even card the credit sevice and took down my infor 2weeks later they turn me down
Consumer complaint received 2024-10-24
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (WA)

I originally used the Covid relief payment deferral in XXXX of XXXX to help with making mortgage payments to BSI Financial at the time. It was only supposed to be for a few months and the payments would be tacked on to the end of my mortgage. They told me I would not get charged any late fees for this. I never stopped making payment to BSI financial, however they have been charging me late fees since XXXX. I have called numerous times to check on the status of my mortgage to BSI and they would assure me that everything was fine and that they were just waiting on funds from the VA. This went on for years. I made my full amount payment every month and it was not being put towards my mortgage, it was held in some unapplied account. I do not know where all the payments I have been making to BSI for years have gone. I also never received any information or paperwork regarding these issues from BSI. The only time I received my mortgage modification application was in XXXX of XXXX, 15 days before my account was transferred to XXXX XXXX. Now XXXX XXXX has no idea what is going on and is saying that I am XXXX payments behind and owe them {$33000.00}. I also tried to make my monthly payment this month for XX/XX/XXXXXXXX  and it was rejected and returned to my checking account. I called XXXX XXXX  to find out why this happened and they said they didn't know but their best guess is because I didn't make the payment of {$33000.00} in full. And when asked what I should do they told me to file a lawsuit. Now because of a few months of payment deferral during Covid I am showing my mortgage is delinquent, it has dramatically affected my husband and my credit score, and we are at risk of foreclosure and losing our home.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$4900.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-23
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. (CA)

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXXr system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-28
Product: Credit 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: WELLS FARGO & COMPANY (AL)

There were fraudulent charges against my account with even someone gaining access to my pin somehow, some of the charges included XXXX XXXX XXXX XXXX power bill, XXXX XXXX and XXXX XXXXXXXX XXXX I went to the bank on XX/XX/XXXX and discussed the pending charges that were not made by me and ask the bank to cancel my card. Went back to the bank on XX/XX/XXXX and ask why the card charges were able to post, and they said it wasn't their problem. So i go back on XX/XX/XXXX to ask for help with resolving this issue after receiving the letter claiming that i made the charges and my claim was closed. The claim number is XXXX. All these attempts were unsuccessful so i am reach out for your assistance. I plan to file a police report. I need help with resolving this issue because I don't think i am getting the appropriate help from WELLSFARGO Bank Representatives. The issue started when I contacted the bank about the issue on the XX/XX/XXXX and they closed the claim 5 days stating that the charges were made by me or someone who had permission. I tried to call and ask for supporting documentation regarding the closing of my claim and I was hung up on. Your assistance would be greatly appreciated. I understand Wellsfargo is closing branches and I am concerned that correct attention is not being paid to my concern.
Consumer complaint received 2024-08-23
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. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-10-11
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (GA)

An amount near {$1200.00} as a debt collection was placed on my credit report. This dates back to around XX/XX/2021 I believe. i had no knowledge of the account. I did not sign anything or authorize this account to be my responsibility and it is not rightfully mine or my responsibility to pay. I have filed police reports to launch an investigation. I have filed disputes and sent letters to all credit bureaus to resolve this issue. They have not provide any solid information to show that this is my debt and that I lived at this location. this is fraud
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

ASKED FOR AN AUTHENTIFICATION AND VERIFICATION USING THE FCRA SECTION 609 LETTER AND VERIFIED RESPONSES BY MAIL ALSO TO DELETE ANY UNVERIFIED INFORMATION ON THE REPORT UNTIL A COMPLETE AUTHENTIFICATIONVAND VERIFICATION OF THE RECORD HAS TAKEN PLACE AND I CAN INSPECT THE RECORD. FOR MY PERSONAL AND PRIVATE INFORMATION TO NOT BE IN THE PUBLIC.
Consumer complaint received 2024-08-23
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. (FL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX Balance : {$360.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX  XXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX  XXXX ( Original creditor : XXXX XXXXXXXX XXXX XXXX ) Balance : {$1400.00}
Consumer complaint received 2024-08-23
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-08-23
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 2024-10-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC (OH)

Bought Jewelry at XXXX XXXX XXXX with a promotion to buy the goods within 18 months interest free. This in XX/XX/year> and XX/XX/year>. Started on statements with no interests. 
Account number # XXXX Starting XX/XX/year> XXXX XXXX thru XXXX XXXX started to charge interest without notice for no reason. 
Either the employees are lying about the promotion or they dont know what they are doing. 
This is unacceptable and clear deception.
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

In late XX/XX/2023 I had fraudulant activity online and notified my bank WF, they did their investigation and gave me back my funds and I was sent a new card. Then I received a call from a " Wells Fargo Fraud '' agent as that is what it said on my caller id and they stated we noticed that there was a fraudulant activity in XXXX store in California. This " agent '' asked me if I was in California I said no I am in Georgia and I still havent received my new debit card. Then they were able to get into my account. I was told to not open my account as they were going to watch it and in XX/XX/2023 they tranferred {$2000.00} from my savings to my checking and went to the bank in FL and withdrew the money and then two days later went back and tranferred {$1900.00} and withdrew it at the same bank. Once they called me again and I didnt answer I went to call the bank and looked up the number to call and thats when they informed me that they never call people and screamed and she helped me pull up my account and all that money gone. I went straight to the branch to file numerous frauds and complaints and even went to consumer and still not getting my money back. I even opened up a police report so they can pull the cameras and prove that it was not me.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

New complaint I've called and placed on hold trying to resolve this for a month. 

I've attached a new FTC complaint Subject : Re-Dispute : Improper Use of Information To Whom It May Concern, I XXXX XXXX XXXX writing to dispute the improper use of my information. The following accounts are not mine and have been included in my previous FTC complaint ( # XXXX ). I have no knowledge of these creditors, and I request that they be removed from my credit profile : XXXX. XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$300.00} - Status : Account charged off. {$300.00} written off. {$190.00} past due as of XX/XX/XXXX. 

XXXX. XXXX # XXXX - Date Opened : XX/XX/XXXX - Balance : {$9200.00} - Status : XXXX. {$9200.00} past due as of XX/XX/XXXX. 

Additionally, the following accounts are fraudulent, submitted without my knowledge, and should be removed immediately : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX These accounts have also been included in my FTC complaint ( # XXXX ). 

According to 15 USC 1681b - Permissible Purposes of Consumer Reports, these creditors do not have permission to report on my credit. I request that these items be removed promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please block this information from my credit report within four business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. 
Thanks, XXXX XXXX
Consumer complaint received 2023-08-18
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)

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain account in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Consumer complaint received 2023-08-18
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. (TX)

This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The XXXX and Transunion credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The disputed information was reporting to my credit file held with XXXX and Transunion credit bureaus. These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the accounts via FCRA. They have failed to remove the accounts, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts be verified nor be corrected from my report immediately : XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XXXX Balance : {$440.00}.
Consumer complaint received 2023-08-18
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. (GA)

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}