davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (VA)

On XX/XX/2020, an unauthorized ACH transaction took {$2300.00} from my Navy Federal Credit Union ( NFCU ) checking account. I contacted NFCU immediately upon discovering this transaction -- informing them that I did not initiate the transaction. The checking account was closed and a fraud claim was completed. 

On XX/XX/2020, I received a letter from NFCU dated XX/XX/XXXX. The letter stated in part, " After a thorough investigation, we have concluded that no error occurred based on account activity. You are responsible for the full amount of the claim, {$2300.00}. You have the right to request information concerning the investigation and how we arrived at this conclusion. '' Requests for the fraud claim investigation information have been made through several phone calls to NFCU, two visits to local branch offices, and by email. Each time, I was told that the investigation report was the property of NCFU and can not be shared with me and that it would have to be subpoenaed. Their letter stated that I the right to request information concerning their investigation, yet, repeatedly, I have been denied the information needed to submit an appeal. 

I feel that NFCU failed to protect my checking account and failed to take action to retrieve funds that were fraudulently taken from my account and transferred to a XXXX   XXXX XXXX account even though they had the name of the individual and bank account information.
Consumer complaint received 2024-10-15
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. (GA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-15
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. (IN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX
Consumer complaint received 2024-10-15
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. (MD)

On XX/XX/2024, I mailed a formal dispute letter to TransUnion via USPS-certified mail ( tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). According to USPS tracking information, the letter was delivered to and received by TransUnion on XX/XX/2024. 
In my dispute letter, I requested an investigation into an inaccurately reported bankruptcy and incorrect personal information listed on my credit report. I provided all the necessary documents to verify my identity, including a copy of my government-issued ID, my Social Security card , and proof of my current address. Despite complying with all legal requirements, I have not received any response from TransUnion, even though the 30-day timeframe required by the Fair Credit Reporting Act ( FCRA ) has long passed. 
Specifically, I noted that the bankruptcy reporting on my credit report is both inaccurate and incomplete. The reported information omits key details, such as the correct court name, and fails to include other essential data that should be present. Instead, it only lists the filing date and a reference number, which is insufficient and misleading. Additionally, I disputed various incorrect personal information entries on my credit report, which TransUnion has also failed to investigate or correct.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I transferred {$500.00} from my Bank of America checking account to pay my BoA credit card account on XX/XX/2020. By the end of the day I noticed that the payment had not gone through and I made the payment again. The next day I noticed 2 transactions for the same amount leaving my checking account. This put my account in the red and overdrew it. I immediately called BoA customer service and explained the issue and requested the second transaction be reversed and the money refunded to my checking account. I also requested a refund of the {$35.00} overdraft fee. I want a refund because they did not put through the original payment hours after I  made it, nor did I see it reflected in my account. I rejected overdraft protection when I opened my account as I never go over the limit and I would rather have a payment rejected rather than be charged a fee. BoA keeps changing this setting. I requested it at the beginning of the year as well but they keep making excuses as to what is not included etc. It's not my fault that my account did not reflect the payment I made. This was an internal transfer between 2 BoA  accounts. There is no reason why I should be charged.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-11
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: EQUIFAX, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX {$820.00}, XXXX XXXX XXXX # XXXX {$14000.00}, XXXX XXXX XXXX # XXXX {$0.00} As required by 15 U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-10-15
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. (WI)

XXXX has place 3 collection accounts on my report without my permission. The accounts in question from XXXX XXXX XXXX have not been verified. I have not received any information from XXXX XXXX that I have requested to verify the loan. They only sent me their statement. Once I received the statement, I told them that they did not verify the account as I asked for the following. 
1 ) The name and address of the original creditor.

2 ) The amount of the alleged debt.

3 ) An itemized statement of the alleged debt.

4 ) Purchase agreement of the debt.

5 ) Insurance Claim of the debt.

6 ) The XXXX with the original creditor. 
7 ) Proof that you are authorized to collect this debt on behalf of the current creditor.

8 ) Verification that this debt is within the statute of limitations.

I have not received anything after 4 months as they can't provide any information. They then placed the records on my credit report which have not been verified and show a past due amount, the date is wrong and the account shows open, which is a violation of my rights.
Consumer complaint received 2024-10-15
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-15
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. (NY)

To Whom It May Concern, I believe XXXX XXXX to be a victim of identity theft which is why I am reporting this incident. I am searching for justice and clear up my credit file report as these accounts and inquiries are incorrect and not done by me. I have plenty of incorrect information in my credit file report that I hope to repair. Accounts That Need To Be Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-01-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

As indicated in complaint # XXXX, an international wire transfer of XXXX GBP from my daughter 's XXXX XXXX account to my checking account in Wells Fargo, XXXX GA, was never deposited. After 7 months of inquiries and complaints, Wells Fargo confirmed they deposited the money in the wrong account, and that they were not responsible. They told us our only recourse was to sue the fraudulent party ; however, they can not give us their identity. 

The facts are that the account number in the transfer was missing a digit ... no accounts in GA have that number of digits, The name and address of the recipient were mine! Wells Fargo did not meet any banking standard and participated in fraudulent transfer of funds. The recipient, according to Wells Fargo, contends that the funds are no longer available. Their error cost my daughter over {$7000.00}. She was transferring money to pay for her school loan.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-10-05
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. (MS)

According to the FCRA, it is a violation to report inaccurate information on a credit report, Under the FCRA section 623, it is a violation for the bureaus to still report inaccurate information aften being provided proof of inaccurate reporting, and they can be sued for the extent of damaged incurred by the wrong party. 

Furthermore, under FCRA section 605 ( C ) Running of the reporting period, if a creditor, collection agency or CREDIT BUREAU try and RE-AGE your account by updating the date of last activity on your credit file in the hopes of keeping negative information on your account longer it is a violation punishable by {$1000.00} in fines I have enclosed copies of my credit report, and on all the " alleged collections, because they have not been validated by the collection company, ALL the dates of last activity has RE-AGED According to the FCRA, a collection account is suppose the reflect the last date a payment, Transunion., XXXX and XXXX are in violation of my rights and is subjected to a law suit under these laws/
Consumer complaint received 2024-10-15
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. (IL)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-15
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. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I was looking over my report and I noticed several inaccuracies pertaining to this account. This account is hurting my ability to obtain credit. Its my understanding that the credit reporting agency will investigate this account for me to ensure 100 % accuracy. 
Please correct and update this accounts immediately. 

Company Name : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2024-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-10-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (VA)

Credit Karma has a {$50.00} Guarantee approval process or the person applying receives {$50.00} upon denial of said card. I contacted them, informed me it takes up to 30 days. Contacted them after 30 days, they said 30 to 60 days. Well contacted them again at 85 days and told me to call some XXXX number about an account I don't have any couldn't help me with this. They don't have a customer service number anyway and refuse to email me back about this. The hit was originally in XXXX now XXXX and no help. They lied and hit my credit, so I lose points and {$50.00}.
Consumer complaint received 2024-11-03
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Removal of Inaccurate Late Payment/Charge Offs on my Credit Report To Whom It May Concern, Upon reviewing my credit report with [ Experian, XXXX, XXXX XXXX ], I identified multiple inaccurately reported late payments/charge offs for the following accounts : XXXX XXXX XXXX XXXX  XXXX Your actions are in direct violation of 15 USC 1681b and 15 USC 1681, which explicitly dictate that consumer information can only be furnished with direct consumer consent and that certain transaction information should not be included in consumer reports. Specifically : Transaction data solely between myself and your reporting agency should be excluded unless specifically authorized. 
Approval or denials related to credit extensions, and certain third-party communications, are also not permissible for consumer reports. 
Additionally, when a debt is charged off, it is considered canceled debt, allowing the creditor to write it off as a loss for tax purposes. You should provide me with a Form 1099-C reporting the amount of this canceled debt, which I must include as income on my tax return. Also, income can not be reported as debt ; income refers to money earned, while debt represents money owed. However, canceled debt can result in taxable income, which I must report when filing my taxes.

Furthermore, under 15 USC 1681i, consumers have the right to dispute inaccurate information on their credit report, requiring credit reporting agencies to conduct a reasonable investigation. I have not received any 1099-C from either company, but you are reporting a charge-off on my report for multiple months which is also inaccurate information, and the role of the reporting agency is accuracy.

This report violates the permissible purpose requirement under FCRA. I expect these erroneous late payments/charge offs to be removed immediately to prevent further legal escalation. Failure to comply will result in additional action based on 15 USC 1681n pertaining to the civil liability of credit reporting agencies and users of consumer reports for noncompliance with the Fair Credit Reporting Act ( FCRA ) Thank you for your prompt attention to this matter. I expect written confirmation of these removals within 30 days. 
Sincerely, XXXX XXXX XXXX