davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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 sent disputes to the credit bureaus concerning fraudulent information reporting on my consumer report but they have not corrected it. 

I am writing to formally dispute several accounts that appear on my credit report, which I believe contain inaccuracies and violations of federal laws. The accounts in question are detailed below : 1. XXXX XXXX XXXX Account Number : Not Available 2. XXXX XXXX Account Number : Not Available 3. XXXX XXXX XXXXXXXX Account Number : Not Available I am disputing these accounts based on the following grounds, as supported by provisions of the Fair Credit Reporting Act ( FCRA ) : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are not reporting 100 % accurate information. They contain errors and discrepancies that misrepresent my credit history. 
2. These accounts were erroneously reported as a result of the XXXX data breach, which constitutes a direct violation of the FCRA. The reporting of these accounts is inaccurate and should be corrected accordingly. 
3. Under 15 U.S. Code 1681a ( 2 ) ( B ), these accounts do not meet the criteria for inclusion in a consumer credit report. Any credit transactions supposed to be excluded from a consumer credit report, particularly those involving the unauthorized use of my Social Security number, should not be reported.
Consumer complaint received 2024-07-04
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)

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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 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 ) Section states 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 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Thank you for your assistance in removing some of the incorrect credit information from my file, which resulted from an erroneous credit report entry. However, there are still remaining items that need to be addressed. This is my new complaint regarding erroneous credit information, and I am presenting this to dispute specific items in my file XXXX from the issue. The items I am disputing are unrelated to any transactions involving the acquisition of goods, services, or money that I have made or authorized. Please remove any items in my credit file that resulted from incorrect reporting : XXXX : XXXX XXXX XXXX ; XXXX XXXX ; UNABLE TO FORWARD MAIL XXXX, AZ XXXX ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX ; XXXX  XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$460.00} ; XXXX XXXXXX/XX/year> -- -- -- -- -- -- -- TransUnion : XXXX XXXX XXXX ; XXXX XXXX Balance Owed : {$620.00} ; XXXX XXXX Balance Owed : {$320.00} ; XXXX XXXXXXXX Balance Owed : {$2000.00} ; XXXX XXXX FIN XXXX Balance Owed : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$360.00} XXXX XX/XX/year> XXXX These items are unfamiliar to me. Additionally, some information has been deleted by other bureaus, casting doubt on its accuracy. The reported payment history on these accounts is also a mystery to me. As stipulated by FCRA 605B ( c ) ( 1 ) ( C ), you have the authority to decline or rescind this information.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (MD)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 XXXX
Consumer complaint received 2024-07-04
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)

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

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-05
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)

My account with XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-04
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)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: AMERISAVE MORTGAGE CORPORATION (SC)

In XX/XX/2023, I inquired about this company regarding a Home Equity Line of Credit or Home Equity Loan. They advised me that they were not able to offer that however could offer a cash out refinance of my mortgage. I stated I was not interested in any refinance options as I have an excellent rate on my current mortgage and needed a relatively small amount of money for home repairs- it wouldn't make sense to triple my rate for my whole mortgage for that little amount. I ended the phone call having stated that I was not interested in what they were offering. Despite this, the company checked my credit and opened a mortgage application in my name. They have continued to contact me repeatedly over the past two months ( it is now XX/XX/2023 ) to 'get more information for my mortgage application ', have sent unsolicited copies of said application to my home which contain details such as my social security number and are therefore an identity theft risk to simply sit in the mailbox when I did not request or expect them, and have stated they will 'deny my application. ' Again, at no point did I EVER request that they open a mortgage application for a refinance and in fact explicitly and repeatedly stated I did not want to do a refinance with them or any other lender.
Consumer complaint received 2024-07-04
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 upset because XXXX, Transunion, and XXXX continue to report chargeoffs on my consumer report that is considered income per the IRS. CONSUMER REPORTS ARE NOT SUPPOSED TO REPORT INCOME, per FCRA. ITS the law!

Per IRS Publication 4681, Cat. No. 51508F " Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. '' XXXX, Transunion, and XXXX continue to report this inaccurate information, which is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as furnishers of information. 

They have caused me and My family suffered severe harm due to their negligence and inaccurate reporting. 

I emailed the CEO of the creditors and received calls back from their collection departments, who all said the same thing : they have written the debts off. its up to me to follow up with the consumer reporting agencies and IRS.
Consumer complaint received 2024-07-04
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. (GA)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-04
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. (NY)

I've recently obtained a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I can email u a file of what really happen better If someone can call me and figure this out I will really appreciate it. 

Someone opened credit act using my info capital one think its me and wont move forward. XXXX XXXX  got disputed easily
Consumer complaint received 2024-07-04
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)

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

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2024-07-08
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 (AZ)

Basically I reached out to Wells Fargo to report on unauthorized fraudulent activity on my card. I reported charges starting from XXXX XXXX XXXX totaling over {$3000.00}. I've been patiently working with Wells Fargo and they keep denying my claim stating i approved these charges when I did not. I also filed a police report and resubmitted claim just to be denied. This is unfair! 

I even attempted to reach out to merchants starting with XXXX and they couldnt provide information due to account being under somebody elses name. When I reach out to other companies, the same happens due to me not having any information on purchases details and names. This prompted me to reach out to Wellsfargo, and they have not been any help. Every time I submit a claim, they have a different response to why they are denying it. This is very draining, stressful and frustrating that I have to take these measures to be heard. Ive asked for higher up management to reach out to me and no one has. I just receive letters as form of communication with limited information on claim and it being denied. When I call them for more details as to why its denied they dont give me and just offer to resubmit. This has been going on for months and mean while the balance keeps rising due to interest fee adding up. 

Police report is added as attachment.
Consumer complaint received 2024-07-04
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (CA)

A company named National Credit ADJU started reporting a debt on my credit report in XXXX Credit Bureau saying I have opened an account on XX/XX/year>. They were reporting {$150.00} and it started hurting my credit. I contacted them and asked them for details as i have been a victim of identity theft. In response they said I have to pay that and it won't show up on my credit report anymore. I didn't know much about credit profiles and was new to credit and all these calls. I ended up paying them {$150.00} to avoid damaging my credit. Now that I learned about credit I see it is still on my credit report with all inaccurate dates and accounts that I never opened with National Credit ADJU or anyone.
Consumer complaint received 2024-07-08
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: National Credit Adjusters, LLC (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2024-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I recently just started checking my credit and notice unfamiliar inquiries on my report. 

XXXX XXXX XXXX ( Finance ) XX/XX/year>XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/year>XXXX XXXX
Consumer complaint received 2024-07-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC. (MD)

I have uploaded my money on robinhood the amount wast XXXX on XX/XX/XXXX it said the funds will be availble XX/XX/XXXX. Once the funds were available i dispersed the funds in crypto to use the advantage to send my crypto to different wallets. Robinhood rejected the XXXX withdrawal request of {$1000.00} this i put in a request for support and support told me they could not help and it would have to be forwarded to higher support and a callback was requested but the company never filled the request. After that i invested my money into stocks to try and get some leverage of actually using funds selling stocks understanding stock market i attempted to transfer the money in to my debit card that again was rejected. Another help request was made with the support saying that it had to be forwarded up. I randomly get up to see my account is under some type and review and i cant get my funds out I should now have to spend XXXX with any company for this to happen to hold my funds period. You guys took the funds no problem when i need them dispersed back into my account there's a problem. I need my money back as soon as possible and will no longer be dealing with robinhood services and will advise and tell others of my issues
Consumer complaint received 2024-07-04
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. (NJ)

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 2023-11-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My account experienced fraud back in XXXX, and went immediately to the local Chase branch. We were on vacation in Michigan when it happened. We talked to the Banker and the Fraud Department, and they assured us that once they put in the paperwork and updated all our cards and passwords ( and PIN ) we would be fine. We asked if we should just close our checking account and open a new one. They said it wouldn't be necessary. Then, on XXXX  XX/XX/XXXX, at XXXX my husband got a text alert about potential fraud, he followed the prompts like we're supposed to. The next day I went to the bank in the morning to set up direct deposit and they told me my account was restricted, but they couldn't tell me why. I called the number they gave me and was told that " Chase bank has decided your account is no longer manageable and they're closing the account. '' No explanation, no warning. They wouldn't let us access our funds, immediately cancelled any and all access to our online profiles, and cancelled our debit cards. We were told that a check would be mailed to us within 7 to 10 business days. Luckily, we were able to access our savings account, which we promptly closed and opened an account at another bank. We have bills, including rent, that will be due most likely before we get the check. It seems that Chase Bank does not care about their customers, but their bottom line. We were told at our new bank that we were the 3rd account that had moved from Chase this week.