davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
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. (CA)

XXXX is furnishing inaccurate information on my credit report which is causing harm to my personal life. As of XX/XX/XXXX, as listed on my most recently reviewed consumer report, there are XXXX fraudulent/unauthorized inquires listed. 
As a reference, please see the below inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Also, TRANSUNION is furnishing a fraudulent/unauthorized inquiry on my report that was made on the same day as the XXXX - XX/XX/XXXX inquiry. 

The inquiry from XXXXXXXX XXXX on XX/XX/XXXX is fraud. These XXXX inquiries showed up at the same time and were not authorized by me. 

I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX or Transunion written consent to furnish this information. 
This is a violation of 15 USC and the Fair Credit Reporting Act. Both my consumer and privacy rights are being violated. 

Please remove the above mentioned inquiries. It is XXXX and Transunion 's duty to accurately report information and as of now they are not doing that. I look forward to XXXX and Transunion resolving this matter with this communication. Should they choose to be willfully neglectful as it pertains to my file I will file a dispute against them in small claims court seeking remedy for said violations.
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 reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. Please see attached file for these items I am complaining. 
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I received a copy of my credit report and I have found the following items listed below to be in error. These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on this account please update the account as Paid/Current. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter.
Consumer complaint received 2024-08-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law.

Your company is in violation, you have caused me pain and suffering due to mistreatment and discrimination. All accounts closed, charge off, late payments need to be deleted immediately. You are now under Federal Law.

15 U.S. Code 1691 - Scope of prohibition 1026.23 Right of rescission.

15 U.S. Code 1692g - Validation of debts 12 CFR 226.4 - Finance charge.

15 U.S Code 1692e- False or Misleading Representations Termination of Collection Action, Write-off and Close-out/Cancellation of Indebtedness
Consumer complaint received 2024-08-13
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: WELLS FARGO & COMPANY (WI)

I've contacted all ( 3 ) three companies to inform them that I did not authorize any inquiries from them ; and to report this to the three Credit Bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I reviewed my Consumer Report and noticed that I had XXXX late payment on an account that i was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to best of their ability with Maximum Accuracy i have never been late on payments for the account number ( XXXX ) Account name ( XXXX XXXX XXXX ) Pleases investigate and provide Proof with statements showing that these payments be updated to on time as they should be as i was never late. Thanks
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. (MD)

" I reviewed my consumer report and informed your agency on XX/XX/2024 about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

On XX/XX/2023 I Submitted a complaint to you all regarding XXXX XXXX reporting my XXXX XXXX bankruptcy on my credit report and illegally sharing/selling this information to third party credit reporting agencies ( XXXX, XXXX, Experian ). XXXX XXXX followed up by sending me a response stating that they needed to verify my identity please see exhibit. I called in and spoke with 2 separate representatives on XX/XX/2023 and verified my information. The representative stated that the XXXX  XXXX bankruptcy information was not removed and XXXX XXXX did not complete the demands stated. They actually did nothing. I am at Witts end with XXXX XXXX. XXXX XXXX has committed identity theft by furnishing and housing damaging personal and private information in their systems without my consent and selling this information to third parties without my permission and knowledge. XXXX XXXX, or any other credit reporting agency, has NO lawful authority nor are they operating under ANY LAW that allows them to collect and share damaging information about me, a living and breathing soul. This is identity theft. This is defamation of character and I am not taking this lightly. This is the second time Ive had to file a complaint about these companies and I will not sit back and allow this to continue. The bankruptcy court clerk of Florida stated that they do NOT report this information to any credit reporting agencies, they only report this information to XXXX. XXXX WEBSITE STATES THAT THEY DO NOT GIVE, SELL, OR TRANSFER INFORMATION TO THIRD PARTIES. Experian, XXXX, and XXXX all obtained this information illegally from XXXX XXXX under FALSE pretenses and furnished this information on my credit reports. All of these agencies have no lawful authority to report any of my personal information without my consent or permission! This is IDENTITY THEFT. You do not have permission to make decisions for me or freely damage my character!!
Consumer complaint received 2019-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo did not honor their PMI deletion process or vendor-approved home valuation, and it has unjustly cost me XXXX of dollars in fees. 

My original purchase price has been WELL below market value since I purchased XX/XX/XXXX. THREE full and recent bank appraisals have confirmed this. WF first sent me their instructions on PMI deletion XX/XX/XXXX. After reading them very carefully, it was clear to me that all I needed was a current appraisal to show the real home value. I applied XX/XX/XXXX. Rejecting a {$700000.00} bank appraisal dated XX/XX/XXXX from another bank for a HELOC application, WF told me I had to use and pay for their approved vendor. Following the process, I paid {$200.00} for their in-house approved BPO vendor to appraise for current valuation. 

The WF BPO Vendor inspected on XX/XX/XXXX and reported a value of {$590000.00} on XX/XX/XXXX. This ridiculously low valuation was still enough to bring my LTV to 70 % - well below the 78 % PMI deletion threshold. WF acknowledged the qualifying valuation but DENIED the MI deletion based on a NEW requirement that I did not provide documentation for " significant and substantial improvements '' that substantiate the " increased '' value of the home. Subsequent appeals to WF were also denied. They did not care that my original purchase price was depressed due to a lease-purchase agreement with the prior owner. 

Furthermore, I would not have even started their process and paid {$200.00} if the improvement documentation was required. 

The only recourse is to refinance to get out of $ XXXX MI now fixed for the next six years. That refinance cost me over {$3500.00} in loan cost. 

To add insult to injury, WF issued an XX/XX/XXXX loan payoff statement with a line item " PRORATED MORTGAGE INSURANCE {$420.00} ''. When I called WF ( 3 times ) to clarify why an additional FULL month of MI was added to a "  prorated '' payoff on the 5th of the month, they cited " rules and regulations '' that MI is NOT, in fact, prorated but triggered at the start of the month, and paid the following month ( " paid in arrears '' ). 

While they are well-aware that I signed my refinance closing documents at the end of the prior month ( XX/XX/XXXX ), they will still charge a full ADDITIONAL month of MI since the payoff funds will not post to the account until XXXX. Even an XX/XX/XXXX payoff would include a full XXXX MI payment. Crazy. 

This PMI should have been deleted XX/XX/XXXX, but my choices are to either pay 5 additional months and refinance, or stay and pay for another 6 years ( {$15000.00} )! 

I should be reimbursed {$200.00} for the worthless BPO valuation and {$210.00} for the unnecessary XXXX MI fee.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

In accordance with the fair credit reporting act this creditor has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX states I have the right to privacy ( XXXX XXXX XXXX ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish on account without my written instructions under XXXX USCS XXXX a creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Requesting to have 3 months late payments removed.
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. (GA)

Consumer Name : XXXX XXXX XXXX Social Security XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Transunion block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I also noticed these fraudulent auto loans and finances accounts from XXXX XXXX opened on XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

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 Account # XXXX XXXX XXXX - Account # XXXX 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 seve
n 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 2024-07-04
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)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX
Consumer complaint received 2024-07-05
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-07-05
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)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (FL)

I was trying to send payment to a company ( XXXX in XXXX, FL ) I had problems with bill pay and XXXX. It tried to send payment twice. I was able to cancel one payment and the other did not seem to go through so I upgraded so I could send a check to the company electronically. Then the web payment went through as well. I called M & T who is my bank and they said they would stop payment on the web payment. The check seemed to be processed as expected. I saw that the check had cleared and thought all was well. I heard from XXXX today that they never received the payment. I have a copy of the check on line from M & T that has no information on the back regarding who or where it was cashed. I spent over 3 hours with M & T today, talking with various people, none seem to have a clue what happened except my {$2500.00} is gone. I finally found someone who said the policy is to submit a form to have the bank investigate what happened. First I was told I had to go to the branch office. I live XXXX miles from the branch office. Then they said they could mail it to me but could not email it. Then they said it would have to be notarized. I work as a XXXX M-F XXXX, good luck getting it notarized. This M & T Bank has shown themselves to be pretty inefficient in the past, but releasing my funds not knowing to whom or where it is going is inexcusable and now it appears the money is lost and M & T does not want to own the blame. I did everything right and they did it wrong. I need some assistance with a bank that is not safe to be holding peoples money any longer.