davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-21
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-21
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. (AL)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-07-24
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. (CA)

Dear, CFPB I am writing a Follow-Up Complaint Regarding XXXX 's Lack of Response to Previous Dispute I submitted a complaint regarding an inaccuracy on my XXXX, XXXX and Transunion credit report. On XX/XX/XXXX I submitted complaint XXXX, which has not been addressed adequately by XXXX, XXXX is XX/XX/XXXX and I have yet to receive a response through the CFPB portal as requested. 

The inaccuracy regarding the reporting of my payments remains uncorrected. XXXX 's lack of response and action not only affects my credit standing but also violates the Fair Credit Reporting Act ( FCRA ) requirements to maintain accurate and complete credit information.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MN)

equifax 's website has been broken for years. I've been trying to freeze my credit with them after this latest data breach and even after trying multiple different web browsers multiple times over the course of multiple days I only get a generic error message every time I try to log in. this same thing happened years ago after another data breach and I just gave up back then and it's insane that this has not been fixed yet. their automated phone system also rejects me, saying that my information can't be verified. I've also wasted a significant portion of my day on hold, with no estimated wait time, trying to get in touch with a live agent with no success. They are straight up not allowing me to freeze my credit with no explanation as to why. There should be legal penalties for this. I just want to prevent my identity from being stolen.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I received my credit report on XX/XX/2024 and notice there were accounts that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. I also asked for the original contract to be provided and it was not. I am not responsible for this debt.
Consumer complaint received 2017-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

Despite years attempting to correct the situation and filing many complaints, Seterus, Inc has continued to move forward foreclosure and has damaged my credit to almost irreversible levels since XXXX. The constant harassment has caused me serious health issues and inXX/XX/XXXX, XXXX XXXX clinically diagnosed me with XXXX. Seterus continues with the same scheme to defraud mortgage owners by charging them for insurance they already own, and making the insurance part of the mortgage payment, then alter fix rate mortgage like mine to collect not only the fraudulent insurance money but also late charges the company incurs to costumers. Seterus, Inc has partnered with XXXX XXXX, a service provider to Seterus, Inc who supposedly contact costumers like me to request insurance proof, but truly costumers do n't get noticed from XXXX XXXX, until after the fraudulent insurance has been " purchased '' by Seterus on behalf of the mortgage owner. I requested XXXX XXXX and Seterus, Inc to issue proof of the original insurance request I supposedly receive on XXXX, but I never received anything from either company. In XXXX, I started to get letters from the lenders, Seterus that I was late on payments, I check my bank account and I corroborated all payments were made on time, I contact the company via phone to get an understanding of the late changes and changes of my account but customer service over the phone was unable to explain what was going on with my account. I finally got fed up with the lack of explanation from Seterus and I filed a complaint with CFPB. Finally, in the response from Seterus to CFPB, I understood what the claim was, but I was still not clear due that I never received an official request of the master insurance from either Seterus or XXXX XXXX, and despite many requests to Seterus to issue proof of the original insurance request which supposedly was sent to me on XXXX I never got evidence of the same. I submitted the master insurance to Seterus, Inc,  and XXXX XXXX, on On XX/XX/XXXX, via mail and fax, almost four months later I received a letter from XXXX XXXX, requesting the insurance, when I point out that on a previous response via CFPB, Seterus acknowledge the undeniable submission. Until today my account has not be corrected, almost three years and this company continue the scheme. An early complaint to the NY Attorney General has put me in contact with the FBI and FTC who now request CFPB to submit all records of my past complaints about Seterus and its scheme directly to the investigator. So please see the attached request and direct me on how can I submit all past complaints regarding Seterus to the investigator.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (IL)

I entered my banking info to a website to see if i could het applied for a credit card. I did not sign up for any credit card service, and I am wrongfully charged! No way i signed up for this credit card service when my goal is to save money!!!
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information as from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-21
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 sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX  days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2018-03-09
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (CA)

I was traveling in XXXX in XX/XX/XXXX. When I went out, I got the huge amounts spending notification from my Chase app, I called the customer service right away because I believe the transaction is wrong. When I talking to the customer service, the second and third huge amounts fraud transactions have been made until the fourth was failed. ( They should have the phone voice records ) The customer service said, " no worries if the transaction is not made by cardholder ''. And then I went back to my hotel, someone took my wallet in my room. I called the police with hotel staff assistance, they made a police report for the loss. I did also hire lawyers firm to sue the hotel because the counter passed the keycard of the room to someone who pretended is my brother. I won the lawsuit that sues the hotelin XXXX. The hotel claims are their mistake and proof those transactions not made by me ( because I am in the hotel, not the store ) and the signature of credit card bill is not match with the card. 

I thought I will be worries free with the card but after few months of disputed, Chase XXXX the fraud charges in my account, they said the store claim I took the items away ( but it is the theft, not me ), so they have to re-bill the charges to me. I submitted my police report and gave them the contact number of police, my police report number and the hotel management contacts for them to verify this case. However, Chase recovery team who took care of my case ignored my claim. ( In XXXX, the police don't give the hard copy of the police report, that is the hotel manager told me so they made a proof of police case number ) How is that possible that I have take this responsibility of the charges that not made by me? 
-- -- - CHASE BANK XX/XX/XXXX - XXXX XXXX XXXX XXXX {$5000.00} XX/XX/XXXX -  XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX {$4100.00}
Consumer complaint received 2024-08-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/year>, I was charged four overdraft fees. During a previous visit to a Wells Fargo branch, a bank representative informed me that my accounts have a 24-hour grace period before any overdraft fees are applied. Additionally, I spoke with another representative about charges on my account, and despite discussing overdraft fees, she failed to disclose that my accounts needed to be reconciled by XXXX XXXX XXXX. 

Relying on the information provided by your representatives, I made charges on my account on XX/XX/XXXX, fully expecting that the direct deposit scheduled for XX/XX/XXXX would cover those charges. However, despite the deposit being made on the XXXX for {$1000.00}, I was still charged four overdraft fees of {$35.00} each with a total of {$140.00} It is evident that these fees were applied due to a lack of clear and accurate disclosure by your staff during multiple interactions, which has resulted in these unjust charges. I believe the bank is liable for these fees and that they should be waived immediately. 

I called and spoke with XXXX - Employee Code- XXXX Claim : XXXX
Consumer complaint received 2024-07-24
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. (FL)

XXXX victim 's letter to consumer reporting agency XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report is a result of trafficking AUTO LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my transunion credit report within four days, pursuant to section 605C of the fair credit reporting Act Please send me a notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures ; proof of identity State issued ID XXXX  Documentation A self-attestation letter that you are a victim signed or certified by a representative from a government entity, court, or authorize non governmental organization or human trafficking task force.
Consumer complaint received 2023-03-11
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. (PA)

15 USC 1681 there were many inaccurate accounts on my consumer report, which these inaccurate accounts are affecting my credit report I never got any validation for any of these close accounts nor for the inquiries that stated on my consumer report I was never contact by the credit agency Trans Union for a reinvestigation nor the companies havent seen a written consent proof that states that these accounts belong to me a file, the FTC report as well. I stated that these accounts had to be removed. I sent letters stating the accounts that were inaccurate which they were not resolved. I also stated when I spoke to Trans Union about the data breach that happened within the company that was not addressed as well. I am trying my best to be able to work with this company, knowing that I can not in trust any personal information with the company do to them, allowing my information to be leak not only I gave them a chance to be able to do the right thing and to be able to resolve the issue but they did not clear the accounts that were affected my credit report I would like proof of consent and original contract with these companies. And also I would like to know why is my credit score a different score with XXXX XXXX  and also a different score with XXXX and also on the website of Trans Union I would like for my credit score to be accurate and updated as well I received phone calls different companies that I never gave my information to stating that I open the business account. And also I want to add that is XXXX resolve the issue with the inquiries that was found inaccurate on my consumer report data also be removed off of all other credit agencies
Consumer complaint received 2024-08-18
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. (NJ)

I am filing this formal complaint against Equifax for multiple, willful violations of the Fair Credit Reporting Act ( FCRA ) in handling my identity theft case. Despite my attempts to resolve this matter directly with Equifax, they have consistently failed to meet their legal obligations, causing significant harm to my credit standing, financial stability, and emotional well-being. 

Complaint Details : On XX/XX/year>, I received an inadequate response from Equifax regarding my identity theft dispute. Their response demonstrated a fundamental misunderstanding or deliberate disregard of their FCRA obligations. The core issue is not the factual nature of a credit inquiry, but its fraudulent origin due to identity theft. 

Equifax has violated the following FCRA sections : XXXX. Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax failed to block the reporting of information I identified as resulting from identity theft within the mandated four business days of receiving my identity theft report.

2. Section 615 ( f ) ( 1 ) : Equifax neglected to follow proper procedures for consumer disputes related to identity theft. Their cursory " investigation '' falls far short of the " reasonable procedures '' required by law to determine the accuracy of disputed information. 

XXXX. Section 623 : As an information furnisher, Equifax failed to conduct a proper investigation of the disputed information and to report the results to all nationwide consumer reporting agencies, as required when information is found to be inaccurate or incomplete.

These violations have resulted in : - Exposure of my private information - Failure to protect my identity from fraudulent use - Direct harm to my mental health, financial stability, and credit standing Actions Requested : I formally request that the CFPB require Equifax to : 1. Block ALL information I have identified as related to identity theft. 
2. Conduct a THOROUGH reinvestigation of ALL disputed information.

3. Provide a DETAILED written report of their reinvestigation results within 5 business days.

4. REMOVE any information found to be inaccurate, incomplete, or unverifiable.

5. NOTIFY all nationwide consumer reporting agencies of any corrections made.
Consumer complaint received 2023-03-31
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. (VA)

On XX/XX/2023 The Credit bureaus stated Account XXXX XXXX XXXX Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well