davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-29
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. (AL)

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 2024-01-29
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. (MD)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAVALRY INVESTMENTS, LLC (NY)

In XXXX of 2018 my social security was used to a credit card without my consent. My mailing address is my parents home which i moved out early 2018 but my mail was still being sent there. My W2 was stolen by my parents tenant and he was able to gain access to my personal information. I wasnt. aware of this. issue until this year since i wasnt sent a letter from a lawyer firm suing me for XXXX.
Consumer complaint received 2024-06-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

I have already got this XXXX  phone bill delete off my account last year Becuase its not my account a years later its back with a different company name i need this off my account because its doesnt belong to me XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-05-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Timely payments on this account have always been my priority, ensuring they are never overdue. However, I am unsure about the reasons behind reports of late payment remarks on my accounts. As per XXXX5 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-01-29
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. (FL)

I am unaware of the details of this account on my credit report Per FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services.

This is a breach of contract and an adverse action for exercising my rights.

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Consumer complaint received 2024-01-29
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)

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 2024-07-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (MD)

XX/XX/2024 I received an email from Credit Karma stating my account was being froze due to fraudulent activity ( 2 devices were signed in ) they emailed me asking for a selfie, a photo of front and back of my ID and I sent that to them 3 times once XXXX twice on XX/XX/2024. 
XX/XX/2024 I received my direct deposit of my paycheck XXXX cant touch it with a froze account. So I called XX/XX/2024 the person said they see that my information was received and that the higher ups have to look into it and XXXX business days I should get an email so I called again XX/XX/2024 I spoke with an agent was transferred and given the same lines I have to wait for an email and there is no one I can speak to directly, I called again today XX/XX/2024 and was given the same run around I have reached out 3 times by email and have not been answered Ive asked if they would send my deposit back to my employer they told me they couldnt do that.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (IL)

I am writing to formally request the removal of negative entries related to an auto loan from Santander Consumer USA Inc. Santander is reporting information to my credit report that contains inaccurate and harmful information. 

I am a victim of Santander 's predatory lending practices, which have been the subject of a comprehensive class action settlement. Santander reached a {$550.00} XXXX settlement with the Attorneys General of 34 states and the District of Columbia due to its unfair subprime auto lending practices ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( Attorney General ). The settlement mandates substantial consumer relief, including the cancellation of outstanding debts and the rectification of affected consumers ' credit reports. 

Key points of the settlement include : Debt Forgiveness : Santander has agreed to cancel approximately {$430.00} XXXX in car loan debt for high-risk consumers who defaulted between XX/XX/XXXX, and XX/XX/XXXX. 
Restitution : Compensation is being provided to affected borrowers. 
Credit Reporting : Santander is required to rectify any negative credit reporting resulting from these predatory loans. 
Given these points, I request the following on behalf of my client : Immediate Removal : Delete all negative entries related to the Santander auto loan from my clients credit report, including any late payments, defaults, or other adverse notations. 
Confirmation of Deletion : Provide written confirmation that these negative entries have been removed from my clients credit report. 

I have already suffered significant financial hardship due to these unfair lending practices. Removing these inaccuracies from my credit report is essential for restoring financial stability and ensuring that their credit history reflects accurate and fair information. 

Communications with Santander have spanned over 8 years with no resolution or relief.
Consumer complaint received 2024-06-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: ALLIANT CREDIT UNION (IL)

The company decided to charge their {$50.00} annual fee and even took the step to send a letter ( XX/XX/year> ), because this was something that they knew was going to cause a lot of problems. I have a {$0.00} balance outside of their {$50.00} fee with Alliant, but i moved the {$50.00} into their savings account that they force their customers to setup on XX/XX/year>, to increase their deposits. I thought i had autopay turned on and i do not know how it got turned off. The payment that was supposed to be made on XX/XX/year> never took place. The company never contacted me at all about a late payment. Then proceeded to report me to all of the credit agencies when the {$50.00} sat in my " savings '' account with Alliant. I received multiple credit alerts on XX/XX/year> stating i had a past due account, which triggered me to login to Alliant on XX/XX/year> notice the money was never applied to the XXXX account to pay their {$50.00} annual fee they decided to charge on XX/XX/year> that they knew would cause problems. I then pressed the make payment button to move the {$50.00} that they already had of mine in my savings account to the XXXX account to cover the fee. I contacted Alliant XX/XX/year> and asked them to remove the late payment from my credit report, in which they replied XX/XX/year> saying they can not because they made no mistakes.
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need claim number XXXX and claim number XXXX and claim number XXXX and claim number XXXX for {$100.00} and {$460.00} and {$11.00} and {$470.00} because I didnt authorized the payments and they are fraudulent and I want them to be reopen or reinvestigated or investigate again or make into a new dispute and investigate again or give me a onetime credit for all the amounts because XXXX XXXX help me recover my money back from it they keeping rejecting my disputes status saying I authorized the payments but I didnt etc.send my issue to a supervisor etc. My name is XXXX XXXX XXXX and contact me at XXXX please also add this to my complaint XXXX CFPB : and my old account number is XXXX and my online banking username XXXX
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (OH)

There are two accounts reported by Wells Fargo ( WF ) that continue to reage and extend past the 7 year limitation of the FCRA. XXXX is the only one that continues reage, XXXX and XXXX have deleted due to the 7 year. They were due to delete already but XXXX updated the information. I have old XXXX reports showing that they were due to be deleted which I can provide those pages, and the reports with the new data. They were due to delete XXXX, XXXX  and XXXXXXXX XXXX  but XXXX extended the reporting another 6-7 months. I tried calling their referred number and provide my report number as they will not allow opportunity to dispute online.
Consumer complaint received 2024-05-08
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 hope this message finds you well. Despite my previous request to remove these fraudulent items, I regret to inform you that they still remain unresolved. As a result, I am reaching out once again to request your urgent assistance in rectifying this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take immediate action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$750.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}.
Consumer complaint received 2024-06-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SUN WEST MORTGAGE COMPANY, INC. (NM)

I lost my job last year back in XXXX and then has to deal with multiple family problems. 
I submitted documents to reduce or modify my payments for 6 months. they never respond or send any correspondence. I borrowed money from family and made 6- 7 partial payments ( XXXX dollars each time ) they keep returning the check and adding company fees to the total amount due a month later I have made numerous phone call and there is no one to speak to Sunwest mortgage XXXX XXXX XXXX mail and emails I just get a generic response. 
I was told by neighbors this company selling houses without any notice to the owner. 
I just send a check for XXXX and monthly payment of XXXX dollars and they send the checks back again XXXX month later asking for more money. 
Please help me. 
I understand that these companies want to raise my interest rate instead of reinstating the original loan and that is not fair.I read that many mortgage companies are doing this to female home owners like me.
Consumer complaint received 2024-01-29
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. (CT)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp. (OH)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Paypal Holdings, Inc (OH)

I, XXXX XXXX respectfully send email to CFPB and report incident. 
XXXX XXXX, I found the lists of XXXX XXXXXXXX and XXXX XXXX in my name. 
Which I have not created nor had any other Accounts in/on Venmo. 
On XXXX, XXXX XXXX XXXX Addresses recent Data set to release in Dark Websites. 
Without my consent and permission
Consumer complaint received 2024-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-01-29
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)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2024-06-15
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: Experian Information Solutions Inc. (GA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX XXXX I had XXXX accounts with Wells Fargo and this was happening regularly. I contacted them with spending transactions that werent mine and asked them to invesXXXX, they said I would have to turn in each transaction myself. But the deposits were then being messed with and I had money go missing and the teller said that there was nothing I could do about it. I mainly went to 2 branches and it is a Wells Fargo account. I only have that one account. But my father had left word with my mother that I had a trust. Just dont know where to find it. My maiden name was XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened up a Bank of America account XX/XX/XXXX. When I went to another branch on XX/XX/XXXX, I attempted to cash an official bank check from closing a XXXX XXXX  Account. The teller told me my only option with my check in that branch was to deposit it into the account. I proceeded even though I wanted to cash the check. When depositing the funds the teller spoke, saying they would be available to withdraw from account Tuesday, Tuesday, XX/XX/XXXX. 

Bank of America since has sent notices through my email and online banking that they are putting a 11 day hold. There is no reason for the check to be suspicious as it is an official XXXX XXXX  Check. Furthermore the amount of time they are holding from what I read is illegal. The amount is such that it will put me in a major financial crisis, not receiving in a reasonable time frame. that I could lose credibility with my other financial institutions and obligations, as well as hurt the people that are associated with me long term.