davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

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 2023-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir /Madam I am a customer with Td Bank under mortgage loan XXXX XXXX for property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received the attached Escrow Account Discloser statement dated XX/XX/XXXX as it was printed XX/XX/XXXX. BUT I RECEIVED IT BY MAIL XXXX. ( I do not understand why it was printed XX/XX/XXXX and it took a year to mail to me on XX/XX/XXXX?? ). The Statement showed escrow shortage amount XXXX otherwise my monthly payments will be interrupted and changed, however I contacted customer services to make full payment amount of {$1200.00} by wiring from my personal bank account, and it was deducted from my bank account. 

The surprise is on XX/XX/XXXX ( JUST TWO MONTHS LATER OF MY ESCROW SHOTAGE PAYMENT XX/XX/XXXX ), I received ANOTHER Escrow Account Discloser statement dated XX/XX/XXXX printed on XX/XX/XXXX. The 2nd letter also shoe ESCROW SHORTAGE amount {$2000.00}. 

I contacted TD Bank customer services several times seeking correction or explanation of why my loan account faces escrow analyses TWICE A YEAR while the regulations required once a year analysis NOT EVERY TWO MONTH!. NO ONE WAS ABLE TO HELP ME. All I am looking for is to review my mortgage account since started XX/XX/XXXX through present based on : Full annual payment submitted to insurance companies and city of XXXX XXXX tax assessor office. Remember TD Bank charged me shortage every year, I do not know how it works this analysis. I will attach tax payment to the city of XXXX XXXX since XX/XX/XXXX through present for the above loan number, bank has the insurance payments record. Please help me and have the bank update my payments and provide me with the updated amounts of escrow payments required to be submitted or credit it back to me. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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)

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, XXXX, and Transunion, and they told me to submit XXXX report which I did. I first submitted XXXX report back in XXXX of XXXX, and until now, when I submit XXXX report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of XXXX, until now, they never sent me any proof from creditors. My credit score is severely damaged, and the representative told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (FL)

Around XXXX I took about XXXX or XXXX from my credit to make a payment of something there I keep getting to separate interest charges on my credit cards account when I contacted the Wells Fargo credit card people the person I spoke to told me that the charges was for over draft and said that as soon as I pay my over overdraft I would not be charged two interest charges anymore, so I listened to her and payed my credit card so I dont be over overdraft but on the next month I saw I was still on getting the two interest charges on my account whenever I made a payment. I contacted them again no one was able to give a proper response why I was getting charged two interest charges. I spoke with one of the managers she didnt understand why they were making me pay two interest charges also she went and asked me to make a complaint so I did make a complaint which the person I was talking to processed the complaint for me that on was on XXXX since then wells never get back to me and Im still getting two interest charges on my credit cards today the XX/XX/23 while I was talking to one of the Wells Fargo credit cards people they were very rude and unprofessional the lady I was talking to and who was taking my complaints was very rude she didnt even let me talk she hang up on my face. Wells Fargo have been even taking money on my debit cards account and falsely charged me and since last year they have been charged me twice for interest rates. When I got my credit card the Wells Fargo bank I went to and that person never explained to me that there would be a two interest rates charge is take or make payments through my credit card I was told that today when I was talking to one of the Wells Fargo customer service people. On This month XX/XX/23 they charged me 4 interest charges I dont even know why.
Consumer complaint received 2024-07-10
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. (NC)

I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-08-30
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. (VA)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-08-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX a wire transfer for {$46000.00} was summited to our family trust account at JPMorgan Chase Bank NA from XXXX XXXX. Chase bank refused to accept the funds. 
The transfer should have taken no more than 48 hours but it still has not been completed as of XX/XX/XXXX. 

We called Chase Bank on XX/XX/XXXX and were told they had reached out to XXXX XXXX  and were waiting to hear from them. To give them 24 - 48 hours. We called them back several times over the past week and the money has still not been transferred.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV INC. (MO)

A month ago I noticed transactions on my account was unauthorized transactions. I called money network and submitted a dispute form thru email. For XXXX weeks I heard nothing back from them. So I called the dispute department directly and submitted a dispute. I am a XXXX veteran all my pins to all of my cards are the same. I have a XXXX yr old son who I caught stealing from my home on XXXX XXXX XXXX XXXX XXXX, mo. I called the police and got a police report. XXXX XXXX XXXX police department XXXX XXXX XXXX police report number XXXX XXXX XXXX XXXX. Yesterday XX/XX/2023 I received the dispute paperwork in the mail, and the dispute denial in the mail. They said because my pin was used. I told them again today my son was the one who made those unauthorized transactions and because he is my son he has seen me use the same pin for years. Please help. This is not fair to me as a customer. I did not make or authorize use of my card for any of the transactions listed on dispute claim XXXX or dispute claim XXXX
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-10-30
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)

On XX/XX/XXXX I checked my credit via credit monitoring website to apply for a credit card and became aware of multiple credit accounts that were opened in my name, fraudulently without my permission. 
I spoke with the 3 major credit bureaus whom advised me to file an identity theft report. 
List of accounts opened fraudulently are as follows. 
XXXX XXXX XXXX XXXX account # XXXX - {$5600.00} XXXX. XXXX XXXX bank XXXX account # XXXX - {$0.00} XXXX. XXXX XXXX account # XXXX - {$0.00} XXXX. XXXX account # XXXX - {$240.00} XXXX. XXXX account # XXXX - {$3100.00} XXXX. XXXX XXXX XXXX account # XXXX - {$16.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) account # XXXX - {$240.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) account # XXXX - {$120.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) account # XXXX - {$130.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXX. XXXX XXXX account # XXXX - {$170.00} XXXX. ( XXXX XXXX : XXXX XXXX ) account # XXXX - {$130.00} XXXXXXXX XXXX account # XXXX - {$0.00} Unauthorized Credit Inquiries : I also dispute the following unauthorized credit inquiries on my credit report : XXXX XXXX XXXX Credit Card - XX/XX/XXXX XXXX - XXXX Credit Card XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous Banks - XX/XX/XXXX XXXX XXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - Personal Loan Companies - XX/XX/XXXXXXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX XXXX - Sales Financing - XX/XX/XXXXXXXX XXXX  - General Contractors - XX/XX/XXXXXXXX XXXX XXXXXXXX - Bank XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Commercial Banks - XX/XX/XXXX XXXX XXXX - Miscellaneous Banks- XX/XX/XXXXXXXX XXXX XXXXXXXX - Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - General Contractors - XX/XX/XXXX XXXXXXXX XXXX - Bank Credit Cards XXXX XX/XX/XXXX XXXX opened without my authorization as well as multiple credit inquires
Consumer complaint received 2024-07-18
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: EQUIFAX, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I definitely disagree with the account listed below which still appears on my credit report, definitely after your investigation. The investigation could not have been properly done. I would like this account re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Date of incident XX/XX/2023 Kohl 's recently partnered with Capital One to handle credit card payments for them. Until today I would have had an option to use my Kohl 's card or the Kohl 's VISA card with Capital One when I logged in. Today the only option I had was the Kohl 's VISA card. 

When I tried to use the Kohls VISA while shopping online, it said I had to connect the card. In order to connect my card I had to enter the account expiration date and security code. I didn't have this information because I never received a physical card ( plastic card ) from Capital One. I called Kohl 's and was told I had to contact Capital One I went to the Capital One website and saw a red box that said Kohl 's VISA in big letters with a drop down box to " get your virtual card ''. I clicked on this box and wrote down the account number ( ending in XXXX ), expiration date and security code. I tried to use this to process my purchase on the Kohl 's website. I kept getting error messages that I did not enter the correct expiration date or security code. 

I called Capital One and explained the above to them. The representative told me that the virtual card was my Capital One card ending in XXXX. My Kohl 's VISA card had an account number that ended in XXXX. I repeatedly told her I want to know the full account number, expiration date and security code for my Kohl 's card. I could not connect the Kohl 's card without this information. She refused and kept telling me I could just use my new Capital One card ending in XXXX. I adamantly refused to use their card and demanded to speak to a supervisor. She told me my Kohl 's account ended in XXXX and the expiration date was XX/XX/2023. I demanded to speak to a supervisor. 

When I spoke to the supervisor, she would not give me the full account number, would not give me the security code, would not provide a plastic card and would not provide a virtual card. When I threated to report the credit card company she connect the Kohl 's VISA to my Kohl 's account so I could use it to make a purchase. This process took more than one hour. 

I don't know if I'll be able to use my card on future purchases. Most purchases I make online with a saved credit card still ask for the security code. If that's the case, I won't be able to make a purchase using my Kohl 's VISA without going through drama on the phone with Capital One. 

If I hadn't threatened to report them form credit card fraud, my Kohl 's VISA would not have been connected. It appears to me that Capital One is trying to force Kohl 's customers to use their credit card instead of the Kohl 's VISA.
Consumer complaint received 2024-03-27
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. (CA)

I am writing regarding my accounts referenced here : XXXX XXXX XXXX {$460.00}, XXXX XXXX XXXX {$110.00}, XXXX XXXX {$330.00}, XXXX XXXX {$800.00}. 
I recently reviewed my credit report and noticed that the account is listed as Balance Owed, despite it being charged off and the requested issuance of a XXXX form. 
This account was charged off on and I subsequently requested a XXXX form, indicating that the debt is no longer being pursued and is considered " cancelled debt '' for tax purposes. However, my credit report inaccurately reflects an active balance. 

Under the Fair Credit Reporting Act, you are obligated to report complete and accurate information to the credit bureaus. The failure to update my account status, especially in light of the XXXX form, could be viewed as a violation of this act. 

I kindly request that you update the information with all credit reporting agencies ( XXXX, XXXX, and TransUnion ) to reflect the charged-off status of this account with a balance of {$0.00}, consistent with the XXXX form. This update is crucial to ensure my credit report accurately represents my credit history. 

Your prompt attention to this matter is appreciated. Please send me confirmation once this update has been made. Maintaining an accurate credit report is important to me, and your cooperation is essential in this matter. 

Thank you for your time and understanding