davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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. (TX)

I am a single mother and I am trying to buy a house so I discovered some damages to my credit report. I It's a defamation to my character. need you to attend the following shown items in this letter which contain data taken directly from my credit report which you have provided. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. 

I did not initiate any of the inquiries that appear on my credit report. I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (FL)

The car XXXX XXXX XXXX was a total loss XX/XX/XXXX. XXXX ( my insurance ) paid XXXX XXXX {$20000.00} for a XXXX used vehicle when my pay off was XXXX plus an additional XXXX XXXX monthly payments I was making since XXXX XXXX. I have emailed them multiple times requesting the " prior damages '' I still owe and until this day I have not received any reports or a letter stating what were the " prior damages '' and now my credit score is been affected. I have also called multiple times and since it's a recorded line they do have it on records. I need your help please to help me resolve this matter because they refuse to close my account.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-07-07
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

From XXXX  ( primarily during Covid ) Wells Fargo charged our business accounts in excess of {$10000.00} in NSF fees XXXX even though funds dropped into accounts daily. Expenditure amounts were confirmed by our CPA and attorney, NSF were calculated in a manner that has been determined to be unlawful. 

We sent 4 internal notifications via Wells Fargo internal email. Our company sent 2 certified/ return receipt requested letters specifically outlining the dates, issues, and requests for restitution.

As no communication/ resolution was received we closed all four company accounts. On XX/XX/, I was notified via our CPA Wells Fargo charged the remaining 2 open personal accounts NSF, our documents clearly indicate that the remaining open account should have pulled from a secondary back up savings account. ( In the past when verbally speaking to a Wells Fargo rep regarding the business accounts, We have the option of changing a savings account to checkin without written notification and with that all options you selected in our XXXX GA office, do not apply.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

After looking over my credit report with the reality company i noticed that there is an account I do not recognize from XXXX XXXX XXXX XXXX XXXX I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

As I looked at my consumer report I noticed a late payment for XXXX  bank in 2022. The information is marked differently across the bureaus which shows inaccurate reporting. This affects how creditors look at me and has harmed my score for awhile. Its my right to have accurate information reported when it comes to my consumer report.
Consumer complaint received 2024-08-25
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: Bread Financial Holdings, Inc. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. on XX/XX/year> XXXX section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2023-09-20
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion Errors XXXX Paid in full not closed Date Opened XX/XX/year> not XX/XX/year> XXXX XXXX Paid in full not closed XXXX  Historical date are all wrong Paid in full not closed XXXX  XXXX XXXX  Date, balances, status and all personal information is reported incorrectly. Name, address ect. Zero payment history XXXX  XXXX Date, balances, status and all personal information is reported incorrectly. Name, address ect. Last reported, last active, last paid ect Zero payment history. XXXX Date, balances, status and all personal information is reported incorrectly. Name, address ect. Zero payment history XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) I HAVE ZERO KNOWLEDGE OF XXXX ACCOUNT WITH XXXX. THEY ARE A COLLECTION AGENCY WITH ACCOUNTS I HAVE NO KNOWLEDGE OF. XXXX HAS NOT SENT ME ANY REQUESTED DOCUMENTED PROOF OF ANYTHINK. TRANSUNION HAS NOT REPORTED ANY FACTUAL DATA ON MY REPORT. FRAUD XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  I HAVE ZERO KNOWLEDGE OF XXXX ACCOUNT WITH XXXX. THEY ARE A COLLECTION AGENCY WITH ACCOUNTS I HAVE NO KNOWLEDGE OF. XXXX HAS NOT SENT ME ANY REQUESTED DOCUMENTED PROOF OF ANYTHINK. TRANSUNION HAS NOT REPORTED ANY FACTUAL DATA ON MY REPORT. FRAUD XXXX XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. THEY CLAIM THE ACCOUNT WAS OPENED IN XX/XX/year> AND CLOSED IN XX/XX/year>. Please review all errors and delete each account immediately
Consumer complaint received 2023-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

On XX/XX/XXXX, I contacted Discover Card 's dispute department asking that they reverse 3 payments I made to XXXX XXXX in XXXX and XXXX of XXXX explaining that the company strung me along for over a year never providing the service I paid for, which was helping me amend XXXX tax filings to lower my debt. Multiple " case managers '' had come and gone and I couldn't get any help at XXXX with a refund. 

Discover instantly reversed the amounts that day ( {$1700.00}, {$1700.00}, and {$590.00} ) on XX/XX/XXXX and said they'd open an investigation. Then in early XXXX Discover reversed the amounts back! When I called to ask why they said that XXXX never responded to them ( as expected ) and I hadnt provided documention. 
I have since provided Discover a summary of what XXXX put me though, along documentation of emails showing how nothing was ever accomplished only to have them tell me the charges are valid. I've also called multiple times and spoken to half a dozen people in their dispute department who agree that I was swindled and express sympathy only to recieve form letters and emails from Discover refusing to reverse the charges, saying they decided they are valid. I truly don't understand. I am Discover 's customer but they don't want to help me. It's a lot of money and XXXX absolutely did not provide the service promised. I ended up tapping my XXXX to settle my debt. I feel cheated by both companies. It's extremely disheartening and has cost me a great deal.
Consumer complaint received 2024-05-11
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. (TX)

I just looked over a copy of my credit report and see that the XXXX CREDIT BUREAUS don't care that Ive been a victim of identity theft. I found a lot of accounts and inquiries on my credit report that were not open by me. According to Equal Credit Opportunity Act, the XXXX CREDIT AGENCIES harmed me for many years, barring me because of my ethnicity as an XXXX American born in our beloved U.S. The injustice hurts me to make a life for me, my daughter and fiancee credit, car, and a home, the American Dream. Please remove the fraudulent accounts and inquiries from my credit report as fast as possible. According to FCRA Section 605B it is illegal to report information on my credit report without my permission, please remove these accounts and inquires from my credit report NOW. AND 15 USC 1681b. ( 2 ) PERMISSIBLE PURPOSE for ANY negative item including Child Support that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered identity theft and fraud...
Consumer complaint received 2024-05-11
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)

DEPT ED XXXX XX/XX/year> {$4300.00} ; {$1900.00} ; {$1900.00} ; {$1300.00} ; {$1300.00} ; {$1200.00} The original instrument of indebtedness in its original form. There is no original contract or no original ink signature.
Consumer complaint received 2024-05-11
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting Items as unverified information without providing any proof within the period allowed by law. The following Items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX **** Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, D ; XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX OLD XXXX XXXX XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX, TN XXXX ; XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$950.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX BalanceOwed : {$770.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$810.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$310.00} ; Medical XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$310.00} ; XXXX XXXX Balance Owed : {$810.00} ; XXXX XXXX Owed : {$1100.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

I, XXXX XXXX ( previously known as XXXX ) was a Wells Fargo member from XXXX like to see if I'm a qualified candidate for the class action settlement against Wellsfargo for a possible payout? 

I dont have a copy of when i had a checking and saving account with them but i have proof of having a credit card account with them as well. I have attached the information below in the attachments
Consumer complaint received 2024-09-01
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)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!