davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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. (GA)

I have a fraudulent account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX XXXX, which date was opened on XX/XX/2021. I have disputed this fraudulent account with TransUnion and they have not removed this account from my credit report and TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent item immediately and if it is not removed, then I will be filing a lawsuit against TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit for further review.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. The following items should be corrected immediately : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

For over a year I have disputed inaccurate information on my report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$130.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is misrepresenting my credit profile and stopping me from obtaining new credit.
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting Act 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  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 an account without my written instructions.
Consumer complaint received 2023-07-10
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. (AZ)

I am writing to formally dispute the validity of two collections accounts listed on my credit report, which were reported by XXXX XXXX ( hereinafter referred to as " the Collection Agency '' ). Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) as outlined in 15 USC 1692g, I am requesting verification of these alleged debts.

I have thoroughly reviewed my credit report and do not recognize any of the details or accounts associated with the Collection Agency.

I hereby request that the Collection Agency provide me with the following documentation within 30 days of receiving this letter, as mandated by 15 USC 1692g : A complete itemized statement of the alleged debt, including all charges, fees, and interest applied to the account. 
Proof of the existence of the debt, such as a signed agreement or contract between myself and the original creditor. 
Documentation showing that the Collection Agency is licensed to collect debts in my state.

Verification of the accuracy of the information reported to the credit bureaus concerning these disputed accounts.

If the Collection Agency fails to provide the requested information within the specified timeframe, I kindly request that they cease all collection efforts and remove these items from my credit report. Any failure to comply with my request will result in my immediate pursuit of legal remedies available to me under the FDCPA and other applicable laws. 

Please note that I expect all future communications regarding this matter to be in writing, as required by law. Additionally, any attempts to contact me via telephone or any other means, without adhering to the proper validation procedures and providing the requested documentation, will be considered a violation of my rights under the FDCPA.
Consumer complaint received 2023-06-06
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: Experian Information Solutions Inc. (MD)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, and XXXX Account # 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
Consumer complaint received 2023-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I am XXXX XXXX XX/XX/2023 I was to close on a proper but unfortunately was scammed into wiring part of my down payment to a fraudulant account. the account holders name is XXXX XXXX who posed as the title company fed me the wrong wring information. thankfully I was able to contact chase bank and they were able to free the fraud account in time. but current problem is that two major banks can't seem to communicate on how to return my money. I bank with XXXX and I've ask them to do a recall on the money and they claim that they did, but the receiving bank which is chase bank claims that they have not received a recall request from XXXX  its been been about three months and it has to be discrimination at this point because I've spoken to chase bank and the have confirmed the they have the money but they are not communicating with my bank XXXX on how to return the money
Consumer complaint received 2023-06-06
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2023 To Whom May Concern, Im writing in regard to XXXX of my credit cards with Capital One. The Spark Business credit card accounts ending in # XXXX and Captial One Quick Silver ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus XXXX and XXXX. I spoke with both XXXX and XXXX to confirm, I was told that the accounts are not being report to them and to call Capital one to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre XXXX different departments. The letter stating that the Spark Business Card is being reported, the other letters for the Quick silver stated they wanted me to send more information proving that its not being reported. I sent Capital One a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another XXXX credit card with Capital One a XXXX account I provided as well showing that account is being report, just to prove that the other XXXX are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its Capital one not reporting or it's XXXX or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. 

Thank you!
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Reporting - XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I have recently moved to XXXX XXXX XXXX, XXXX, NC, XXXX I am receiving mails related to a loan/credit application with several banks/companies applied by XXXX XXXX and XXXX XXXX XXXX my address XXXX XXXX XXXX, XXXX, NC, XXXX. 
Previous house owner also didnt know a person named XXXX XXXX and and XXXX XXXX. I am worried that this might be a financial fraud, can you please check at your end and tell me what actions need to be taken from my end. 

I prefer email communication as I can't remember each and every complaint Im making for this. 

Thanks, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XX/XX/2022 I was at a gas station, while i was inside paying for my gas with CASH, my car was stolen. Inside of my vehicle was my cell phone, my chime debit and credit card, my DL, my SScard, amongst other important Items. I immediately asked the store owner to show me the cameras, he had none. So i called XXXX. The officer arrived and took my story and took my vehicle information and asked if I had a ride home. I did not. So he wrote me a citation for XXXX dollars as a result of the ride home. My car was stolen for a total of 4 days. during which time the thiefs withdrew XXXX dollars from my account on four different occasions totaling XXXX dollars. I got my car back four days later and saw that all of my personal stuff was gone. I disputed this with chime and have been denied more than a few times. I have sent every evidence you can imagine. Including the police report! I am still denied on top of that when i request the documents used to make the decision it is merely an automated email with little to no information of value! I have now been evicted from my apartment bc i was unable to pay rent and am now XXXX XXXX XXXX with no help in sight!!!!
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account XXXX and Account 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 an account without my written instructions.
Consumer complaint received 2023-05-30
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. (TX)

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I fear I made a big mistake, when rushing in my signed paperwork that will allow for my Wells Fargo ( WF ) mortgage lender, to, supposedly, " recast '' my loan! And I must now stop the music, to gain a CLEAR understanding of what in heck WF is doing in its " recast agreement '' with me, and if it is something I even should agree to have happen!

WF and I have a lon-n-n-ng, rocky relationship, in which my now dead husband and I, pay, pay, pay our mortgage, seemingly to little avail. I've managed to stay current on our mortgage since our bankruptcy and loan modification agreements with WF years ago. So, I wrongly assumed WF was " helping '' me, when I got its XX/XX/XXXX Recast Agreement. The WF legalese was NOT at all written in layperson 's English. But I read online about my HAMP loan offering {$10000.00} loan reductions to folks like me- who manage to make timely mortgage payments after stumbling back onto our feet. And I jumped to thinking WF wanted my signed paper back by XX/XX/XXXX, so WF could run its new numbers for me, after chopping the {$10000.00} from my principle balance. 

WF said I must send in my signed paper by XX/XX/XXXX, so I can at least get WF to crunch my new, recast numbers. But after I mailed my paper in a mailbox on XX/XX/XXXX, I re-looked at the WM recast agreement packet, and realized, WF " already '' " recast '' my loan, since WF shows an " adjusted monthly payment '' chart - a chart that seems to show " stupid '' me, paying WF {$2400.00} beginning XX/XX/XXXX! Never mind that my loan modification paperwork from XXXX shows amounts lower than this, withOUT any recast deal! 

I was so upset by this " recast agreement, '' in retrospect, that I contacted XXXXXXXX XXXX troubles company that dug my late husband and I out of foreclosure in XXXX. But that was XXXX! A XXXX lawyer today says I must pay {$1600.00} for XXXX to represent me again, in this new recast matter now! So, I told him, no, thanks, hung up, and now, seek help from you, Consumer Financial Protection Bureau ( CFBP )! 

I will need to use my own noodle, hopefully, get WF to break down whatever WF is proposing, and stop any progression on this recast mess I do NOT understand nor see any reason for proceeding with!
Consumer complaint received 2023-06-06
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-10-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (CA)

On XXXX XXXX my wife and I opened an account with BMO Alto for a CD. I filled out the online form to have me as the primary owner, and my wife as a co-owner. BMO opened the CD after I had funded it from a BMO checking account. They emailed my wife an invitation to become a co-owner. She filled out the required form online, but BMO rejected her as a co-owner. We have called BMO Alto twice to resolve this issue to no avail. We never would have opened this account if we knew we could not both be owners. This is my wife 's money as much as it is mine, and it is not right that she can not have access to money which is hers. If I were to become sick or otherwise unable to manage the account, she would need to have access to our funds. BMO has refused to reconsider its decision on this, or to give our funds back to us, or even to give us a reason for the denial. The BMO customer representative who we talked to yesterday, XX/XX/2023 said she was referring our complaint to another level, but could not guarantee that a person would get back to us. We want our money returned to us without penalty, or my wife added as co-owner, as BMO offered on their website.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid 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: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/2023 a fraudulent charge was made to my account with Truist. I asked to close the account agent she said she wouldn't be able to credit the charge back if I closed the account. Instead she debited the charge back to the card and then closed the account. She then reopened the account, credited the charge and now I have two cards feeding into the account. I was told they were investigating it and nothing could happen for 60 days and then it would be closed. Nothing happened in 60 days. I was never mailed any notice of an investigation. I have spoken with at least 20 people and I get a different excuse each time. I have closed all my accounts with Truist but this one credit card account, which now has two monthly statements being printed every month, is still open with a balance on both, which is earning interest. The balance from one needs to be credited to the other and it would cancel out the balance on the account. There are two debits and one credit ( one debit is a bank adjustment ) which appears on my online statement and also separate on a statement. The debit shown on my online account where there is a debit adjustment is the same as the one on the XXXX statement all by itself. I am being told that is not a real charge, it never affected my account. Well it is affecting my account now, because I am being charged interest on the invisible debit.
Consumer complaint received 2023-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (GA)

I made a purchase XXXXXXXX XXXX XXXX, the company I made the purchase through XXXX is believed to have shutdown their business. I began a dispute due to not receiving my product from the company and since the bank ( ally ) shows it as an authorized transaction they will not follow through with the chargeback. I would go through the company but they are no longer responding to emails and going to my bank was my only other option.
Consumer complaint received 2023-06-06
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX