davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
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 am writing to regarding the persistent presence of fraudulent items on my credit file despite my numerous attempts to have them removed. Despite several efforts and the submission of substantial documentation to support my claims, these fraudulent items continue to negatively impact my financial standing and credibility. The ongoing presence of these inaccuracies is not only frustrating but also detrimental to my financial well-being. It is imperative that immediate action is taken to rectify this situation. I expect a comprehensive investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Furthermore, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Also, I request compensation for the considerable inconvenience, stress, and potential financial harm caused by the presence of these fraudulent items on my credit report. They have significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities necessary for my financial stability. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
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. (WA)

I have disputed the fraud of my Child Support Case which is verified as accurate, despite the fact that I have an Affidavit Sent to my states XXXX XXXX  ( division of child support ) requesting the " wet ink '' signature of my enrollment into Title IV-D federal program which they do not have, because it doesn't exist. I have provided my parenting plan, which mentions noting about me being enrolled into this federally " incentive based '' program which XXXX XXXX ( for profit corporations ) which get paid on every dollar they collect. There is NOTHING they can come up with my signature, making the entire contract null and void. You can not have a viable legitimate contract without BOTH parties and a signature being enrolled in a program that they are unaware of. Not to mention they over charged me until my daughter turned XXXX ( and 1 month after ), which they ignored and NEVER got back to me. An unrebutted Affidavit ( my Affidavit of notification ) stands as truth in court. I think everyone involved has ignored this fact, and it it FRAUD to begin with. I would appreciate you help in getting this removed from my credit record, it is fraud. Fraud begins where the Fraud was committed. Thank you.
Consumer complaint received 2024-06-06
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. (MI)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANCO POPULAR DE PUERTO RICO (PR)

On XX/XX/XXXX I had received a text message from a scammer that I thought i was talking to my step dad. 

My mom the previous day had provided to me my step dad phone number for me to have because I was going to be somewhere else in PR and for me to contact him in case I could not get a hold of her. My stepdad phone number is XXXX but my mom gave me XXXX. 

I was not able to contact my mom and I proceed to text my stepdad. Me thinking it was my stepdad he proceed to tell me that he was surprising my mom and the gift he was trying to get her was expensive and he was asking for some help. I proceed to agree and asked how to send the money. He told me to transfer the money and I went to the Bank in XXXX, PR called Banco Popular and took the money out and made a transfer. 
then the person told me to purchase some gift cards but i was not feeling the situation and I realized something was wrong. I was on my way to meet with my mom and stepdad in XXXX XXXX XXXX and I asked my stepdad what was his number and he provided to me and I realized I was not txting my stepdad and I proceed to explain to my stepdad and mom what had happened. We immediately proceed to go the bank in XXXX XXXX XXXX ( banco popular ) and I explained to the teller what had happened. She advise me to call the bank I went to for them to submit a void. They voided the transaction and I submitted a claim. They return my money back and I was k. A couple of days later I notice they took the same amount out of my account. I proceed to call the bank and they advise me to submit another claim. An average of a week and half went by and I called the bank and they said the denied the claim. 

Up to last week this scammer has txt me. The scammer even had provided to me another bank account number because he wanted me to make a transfer to another bank. 

I have provided to Banco Popular all my text message and evidence that was a victim of a scam. 

I have provided all of my conversation and both numbers.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-06-06
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)

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Dear CFPB : By the provisions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordance with the written instructions of the consumer to whom it relates to. I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items immediately. 

XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXXXX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XX/XX/XXXX : I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXXXXXX XXXX  : Account XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX :, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today! 
XXXX XXXX : Account number : XXXX, I was a victim of identity theft. Delete it from my credit Report Today!
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-06-06
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)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX XXXX, and in XXXX I was charged a late for of XXXX dollars to my credit card with Chase Bank. I rely on notifications to give me reminder about payment dates. My notifications were being sent to the wrong number, which was corrected today. It was my first late payment. I called today when things life found some grounding, and after hearing that regulations have been put in place to protect consumer from high XXXX XXXX late fee charges to the threshold of XXXX dollars. I called to fix the issue and I was told that they could not waive or credit the XXXX dollars because it is an already implemented policy in the system. I believe that Chase to be in the best interest of their consumer and abide to regulations that is in place to protect them. I am still and XXXX  and dollars is significant to me. Therefore, I am taking the step to file a complaint, hoping for system regulation that takes in the best interest of the consumer.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (UT)

Since the purchase of my house throughout the tears I have been switched mortgagers several times. My newest one is Nationstar, recently through filing an insurance claim due to a hailstorm I found out that the previous insurance company I had always been insured with had been dropped because it had not been paid. Money for them was set on escrow and so they should have been paid. Bc of the drop I was assigned another company which is completely expensive. 
My claim is geared towards Nationstar for not paying XXXX XXXX XXXX and therefore getting me dropped from their service. The money was there. I will not accept this change due to the irresponsibility of a company that should be taking care of me! But of course, is very punctual when it comes to requests of getting paid.
Consumer complaint received 2023-11-16
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. (LA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-06-06
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. (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items of r me to ensure accuracy, Here is the items I am asking you to verify as accurate : XXXX Prepared For XXXX XXXX Report Number XXXX Date Generated XX/XX/XXXX Account Info Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$530.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Credit Limit - Highest Balance {$1400.00} Terms 1 Months
Consumer complaint received 2024-07-15
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: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

The negative rating on my account is a source of great distress. I'm extremely concerned about its effects on my credit standing. It has already led to the rejection of a recent loan application and higher interest rates on my existing credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until this matter is resolved.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX. And debt cards. XXXX  XXXX two cards. XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX card. I have called these companies and explained my my ID was stolen and I didn't make all of the charges. They said I'm lying and need to pay my bills. Most of the accounts were getting hacked by a XXXX XXXX account which I have never done any business with in my life. I filed a report with the Ftc XXXX. In XXXX. Never heard a thing back. Had close to XXXX credit b4 now in lower XXXX range. I'm not going to pay a XXXX  to these credit cards. That I did not run the credit up on. Thank you for your help
Consumer complaint received 2024-08-20
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: Navient Solutions, LLC. (MI)

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING LATE PAYMENTS FROM NAVIENT IN XX/XX/year>.
Consumer complaint received 2024-06-06
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. (SC)

I HAVE A FEW ACCOUNTS ON MY CREDIT REPORT THAT I DON'T RECOGNIZE. SOMEONE STOLE MY IDENTITY AND OPENED SOME ACCOUNTS. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. If you can please look into this and delete these immediately. Thanks
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MS)

I requested payment of {$11.00} on XX/XX/XXXX. When the other person tried to pay, it gave them an error, and Venmo sent me an email stating my account is suspended for suspicious activity. But there is no suspicious activity, it suspended me for no reason. The Venmo email instructed me to provide my government ID, which I did. An account specialist verified my ID and unfroze my account. When I tried another transaction, I was instantly suspended again. The account specialist unfroze me, and when I tried to do a transaction it instantly froze me again. This has repeated 10 times now, and the account specialist is not helping, all they do is unfreeze me which let 's their system instantly suspend me the moment I try to use it. I have been unable to use my Venmo account since XX/XX/XXXX because their system keeps suspending me for no reason and none of the account specialists are fixing the issue.
Consumer complaint received 2024-06-06
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. (NY)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-01
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. (TX)

I am writing to bring to your attention an ongoing issue regarding the late opening of my account. Despite my previous attempts to address this matter, I regret to inform you that the issue remains unresolved. As a valued customer, I am reaching out once again to request your assistance in rectifying this issue promptly. Upon reviewing my account records, it has come to my attention that the opening dates listed for my account is inaccurate. Despite my efforts to provide the correct information, it appears that the discrepancy persists. I understand that errors can occur, and I appreciate your attention to this matter. However, I kindly urge you to prioritize the correction of this discrepancy to ensure that my account records accurately reflect the true opening dates. With this, I am asking for your assistance to correct the account : XXXX XXXX Balance : {$20000.00}.
Consumer complaint received 2024-06-06
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)

I am writing with the utmost urgency to demand immediate action regarding fraudulent accounts and incorrect information that have been illegally reported on my credit report. I have been a victim of identity theft, and it is imperative that you rectify this situation without delay. 
These accounts were not opened by me, and I am not liable for any transactions or debts associated with them. The presence of these accounts on my credit report is a direct result of identity theft and is causing significant harm to my financial reputation and well-being. The following accounts are fraudulent and must be removed from my credit report immediately : XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have asked over and over again for the bureau to provide validation. They have failed to do so when i have disputed this matter. According to FCRA section XXXX it is illegal to report information on my credit profile without my permission. I ask that you please remove the XXXX XXXXXXXX from my credit profile. 

Thank you please remove this once and for all. This has been a nightmare and the bureau is in violation under FCRA Section XXXX Thank you.
Consumer complaint received 2023-11-03
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: TRUIST FINANCIAL CORPORATION (NC)

It is their policies and actions taken that brought me to issue this complaint. The intended response is to get them to change their policies to honor my attempts to purchase any item I choose without the fear of losing the very thing I purchase. The latest example was a class that I've been attending for several months has had my monthly payment denied because of the bank 's policies. I've lost chances to gain a good deal on products costing me several times more as a result. The bank 's response is that their system automatically denies the payment so it's out of their hands. I say that a computer can not perform an action without the programming telling it to do so. Please help me to get them to change their policies.
Consumer complaint received 2024-06-06
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. (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. Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : 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 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.