davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting 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 from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed account to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following account : XXXX XXXX XXXXXXXX Account Number : XXXX Balance : {$0.00}
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-01
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. (TN)

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 2024-10-01
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. (TX)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Consumer complaint received 2024-10-01
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2023-11-22
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. (GA)

I am writing to express my deep concern and frustration regarding the ongoing and flagrant violations of the Fair Credit Reporting Act ( FCRA ) by Experian, a matter that has severely impacted my ability to secure a home loan. Despite my diligent efforts to address and rectify inaccuracies on my credit report, Experian 's repeated failures to comply with the law have left me unable to proceed with the purchase of a house. 

I am also writing to bring to your attention a persistent and egregious violation of the Fair Credit Reporting Act ( FCRA ) by Experian, one of the major credit reporting agencies. Despite my repeated attempts to rectify inaccuracies on my credit report, Experian has failed to comply with the law, specifically outlined in 15 USC 1681. 

I have diligently followed the proper procedures and submitted dispute requests to Experian on multiple occasions, providing evidence to support the removal of erroneous items from my credit report. However, despite my efforts, Experian has not only neglected to correct these inaccuracies but has also failed to adhere to the legal framework established by the FCRA. 

According to 15 USC 1681, consumers have the right to accurate and fair credit reporting. The law explicitly states that there should be no damages to a consumer 's credit report that are not substantiated by valid, verifiable information. The persistent presence of inaccurate information on my credit report not only constitutes a blatant violation of my rights but also amounts to defamation of my character, as my creditworthiness is unfairly tarnished. 

I demand immediate and thorough action to rectify this situation. The only acceptable solution is the prompt removal of all collections and inaccuracies from my credit report, in accordance with the law. Experian must comply with the FCRA and fulfill its obligation to provide consumers with accurate and reliable credit reporting. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter promptly and takes appropriate enforcement action against Experian for its repeated violations of the FCRA. Additionally, I ask that you keep me informed of the progress and resolution of this complaint.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Incorrect Information on Credit Report Dear XXXX I am writing to dispute the following inaccurate information on my credit report. I have reviewed my credit report and found that the information listed below is incorrect. Please investigate this matter and remove or correct the erroneous information. 

Account Information in Dispute : This account does not belong to me, or this account has been paid off but is showing as delinquent. 

I kindly request that you investigate this matter and remove or correct the inaccurate information. Please notify me of the results of your investigation as soon as possible. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to correct any information that is found to be inaccurate, incomplete, or unverifiable. I also request that you send me an updated copy of my credit report once your investigation is complete. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc. (NC)

To Whom It May Concern, This letter is a formal request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g, for validation and verification of the debt referenced above. I hereby demand that you immediately cease all collection activities until you provide me with proper validation of this debt. I dispute this debt in full and require the following information within 30 days : 1. 2. The original signed agreement or contract that legally binds me to this debt.

A detailed breakdown of the amount claimed, including principal, interest, fees, and any other charges.

3. Copies of all account statements from the original creditor proving the balance you claim I owe.

4. A full accounting of all payments made, including dates, amounts, and how those payments were applied.

5. 6. 7. 8. The name and contact information of the original creditor.

Proof that the debt is still within the statute of limitations.

Proof that you are licensed to collect debt in my state.

A copy of the assignment or transfer of debt from the original creditor, with proof of the chain of custody if this debt was sold.

9. The date of the original debt and when it became delinquent.

10. Proof that this debt has not been discharged in bankruptcy.

11. The original creditor 's explanation of why this debt is owed.

12. A copy of the last bill sent by the original creditor showing the exact amount.

13. Documentation verifying that I am the correct person responsible for this debt.

14. Proof that you or your company is legally authorized to collect this debt in my state.

15. A complete history of the debt from its origination to the present day, including any additional charges and adjustments.

If you are unable to provide these items, this will be considered a failure to validate the debt, and I expect you to cease all collection activities and remove any negative information from my credit report immediately. Failure to comply with this request will result in a formal complaint to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).

Additionally, I reserve the right to pursue legal action for any further harassment or violation of my rights.

I look forward to receiving your prompt response within the required 30 days. Please be advised that failure to validate this debt in full will result in my demand for its immediate removal from my credit report and cessation of all collection efforts.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I made a payment in the amount of {$1100.00} to XXXX XXXX XXXX XXXX through online bill payment from my account at Capital One Bank. XXXX XXXX claims that they never received the payment. I am requesting that Capital One should reverse the payment and put the money back in my bank account.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Avant Holding Company, Inc. (NY)

XX/XX/XXXX received email stating that I must pay XXXX installments of {$20.00} by XXXX of 2024. I paid {$100.00} and it posted on XX/XX/XXXX. At this time the card was already closed. The payment plan email stated the card would be blocked, reported as a modified payment no interest. After posting the {$100.00} payment and then today paying the balance off in full, well before the XXXX payments of {$20.00} due by XX/XX/2024 were due, the company closed my credit card. 

The rep on the phone told me she apologized no one told me it would be closed and didn't care that the very detailed email very clearly stated it would not be closed only blocked from making purchases until I made those XXXX {$20.00} payments by XX/XX/XXXX. XXXX in mind I fulfilled this far in advance and they closed it apparently the same day I went on the payment plan. She just apologized nobody told me this and did not care that the payment plan email was fraudulent and failed to note that anywhere. I demanded that she Rectify this on my credit report and was refused with the excuse that she apologized no one told me this and did not care that the payment plan email did not have this information in it.
Consumer complaint received 2024-10-29
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: OneMain Finance Corporation (TX)

I was asleep on XX/XX/year>, then i woke up and checked my phone. I saw an alert from XXXX XXXX stating " A Hard Credit check was just added to your credit report " I then went onto Credit Karma and saw a hard inquiry from OneMain Financial processed on XX/XX/year>. I immediately called OneMain Financial but the automated machine said they were closed. I called OneMain Financial again on XX/XX/year> and they directed me to their fraud department where I opened a case which is still pending. 

Also, on XX/XX/year>, I received a letter in the mail from XXXX saying " We're concerned someone may be using your personal information fraudulently and declined an application because of this. '' However, I never applied for a loan with XXXX. 

So far, I have freezed my credit report with XXXX, XXXX and XXXX on XX/XX/year>. And I have placed XXXX XXXX with XXXX and XXXX.
Consumer complaint received 2024-10-01
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. (CA)

" 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 "
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

In early XX/XX/year>, I received a promotional mailer from Wells Fargo Bank ( see attached ). It promoted that we would receive a {$2500.00} bonus if we open a Premier Banking account and held a balance of {$250000.00} or more for 90 days in a linked account. 

I went into the local WF Bank Branch as promoted and spoke with a Premier Banker. Over the course of two days and two long hours at his desk, I/we opened a premier banking relationship and account. The banker was not aware of the WF promotion but with the mailer and the promo code he entered the code into the system in setting up the relationship. I transferred funds from another bank to meet the requirement of the promotion. I did that on XX/XX/XXXX and that can be seen and validated in the account. The premier banker handled all of this while I was sitting there. I asked if I could maintain that balance in the Platinum Savings that is linked to the Premier Checking. He looked into it and said that I could so I transferred the balance to our linked account. 

Now, 99 days later, well past the 90 day mark, WF is saying that the Platinum Savings account was not linked to the promotional offer, only the checking account. That is not clear in the promotion at all. Further the Premier Banker did not specify that and said that it was ok to hold in the linked Platinum Savings account. He even called his hot line and other bankers in the branch to help him with entering this promotion successfully in the WF system. 

I relied upon all these matters done in the local branch per the promo, with a Premier Banker. I did what I thought the promo specified as conditions of the offer. After the fact, WF is saying that I and the branch bankers misunderstood what a linked account was and that the balance needed to be held in the checking account, not the linked savings account. I have had two different bankers look this over and also the WF Customer Advocacy team. After considerable consultation internally, they determined that the promo offer was intended only for checking and not checking and savings which are under the same WF relationship and linked. 

If professional bankers at WF took hours to figure this out AFTER the promotional 90 day period was up and I had done all that I understood from them was required, how could the average banking consumer understand the requirements. I am a pretty savvy financial person and I took the WF promotional offer at its word. I think that the marketing by WF is deceptive, almost a bait and switch. I have worked at two different branches and called their customer service line to resolve and so far no resolution. They are indicating that they will still look into it and I have a CS reference number from them but they are leaning toward the fact that it was not set up properly by WF at the beginning with it in checking only and thus I am not eligible for the {$2500.00} bonus.
Consumer complaint received 2024-10-01
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)

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. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act, 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. secondly, I have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number : XXXX You have this account balance as {$1400.00} but the current account balance is {$3.00} We are at the end of XXXX and on the XXXX of XXXX you undated my credit report showing am owing {$1400.00} which is not correct,. you had a correct report and then updated it to false report. Also I earlier filed a complain about you assigning 2 incorrect addresses to me which i have never lived there. 
you assigned this addresses XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To the best of my knowledge I have lived in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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. (PA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.