davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-28
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)

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 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 2019-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MI)

I have 5 late payments on my account from gm financial. However these 5 are incorrect. Ive disputed it with 5 times and won each time but they never changed it like they were supposed to.
Consumer complaint received 2024-02-16
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)

I am writing to address a matter of utmost concern to TRANSUNION regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Consumer complaint received 2023-09-19
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$14000.00}
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-02-16
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)

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 2023-11-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (IL)

XX/XX/XXXX {$4800.00} was authorized and posted onto my checking account on XX/XX/XXXX ( an action not done my me ) XX/XX/XXXX a tele transfer of {$8000.00} was transferred my Savings account into my checking account ( an action to done by me ) XX/XX/XXXX a tele transfer of {$210.00} was transferred from my Saving account into my checking account ( an action not done by me ) XX/XX/XXXX a tele transfer {$30.00} was transferred from my second Saving account into my checking account. ( an action not done by me. ) XX/XX/XXXX a tele transfer of {$5000.00} transferred from my savings account is posted onto my checking account. 

XX/XX/XXXX a tele transfer of {$210.00} is transferred from savings account and posted onto my checking account. 

XX/XX/XXXX a cash advancement of {$5900.00} was authorized from my credit card ( an action not done by me ) On XX/XX/XXXX towards XXXX, I noticed these transactions and called Wells Fargo to issue a fraud claim and to close those accounts affected and create new ones. 

XX/XX/XXXX when the new checking account was created all the tele transfers that were made, were posted there. 

XX/XX/XXXX {$9800.00} was taken from my account ( an action not done by me ), I assume because it was such a huge transaction it needed a day to post to my account. 

a couple of days prior to all this happening I received a notification from XXXX stating I was part of a data leak. Both my credit card and debit card were on my XXXX connected to XXXX XXXX. Both my username and password saved onto my XXXX allowing access to my online banking. 

XX/XX/XXXX I called the credit card department to file a fraud claim, and they stated they'd notify me of the investigation status within 10 business days. I never received a phone call, so I called to realize they didn't properly filed the fraud claim, so it was never made. I went through the process again with them, and made sure the properly made the claim. I'm currently waiting the status. 

XX/XX/XXXX the claims department for Wells Fargo contacted me and notified me stating they found no fraudulent transactions.
Consumer complaint received 2023-10-25
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. (CT)

The company for months claimed I owed them {$5400.00} I kept telling them I did not. Months prior I filed an identity theft report with XXXX XXXX police department in Connecticut, I told XXXX that my information was compromised by someone who claimed to be them. They just kept giving me the runaround This is a conversation between myself and a supervisor wherein they admit to filing fake inaccurate credit reports, I maintained my calm but this thing had been going on for some time and they continued to make errors and promises to correct them but did not. 

XXXX video of Conversation between myself and XXXX bank supervisor XXXX XXXX XXXX XXXXXXXX I sent the documents required to have the false reports removed from my credit file, but months have passed and nothing has been done.
Consumer complaint received 2023-10-25
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)

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.

has violated my rights. Or a 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 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. Please have these accounts DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-25
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. (PA)

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 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dep of EdXXXX by way of TRANSUINON is reporting inaccurate information on my consumer file. specifically : TRANSUNION is reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as 90 days late in a 30 day period, that's in possible! i have asked for bank statements or documentation but yet to receive them.
Consumer complaint received 2023-08-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (KS)

The following names are all incorrect please delete : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX I'll never live in these addresses reported on my credit report please XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KSXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX AV XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NVXXXX This Birthdate is incorrect:XXXX I never work in the following employer : XXXX XXXX Please delete all the unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank is alleged to engage in misleading conduct vis -- vis the bank regulator. The initial paragraph of the communication dated XX/XX/2023, purports that the bank possesses the discretionary authority to close accounts, among other prerogatives, as articulated in the provision entitled " XXXXr Right to Refuse/Close Accounts. '' This provision states, " The Bank reserves the right to refuse to open any Account and to terminate any Account at any time, and for any reason, or no reason without notice to you ( unless notice is required under applicable law ). '' However, it is contended that this provision pertains exclusively to the banking relationship. The undersigned expresses a reluctance to perpetuate said banking relationship should the bank exhibit a disinterest in facilitating business transactions.

The focal issue pertains to the mortgage and loan agreements, constituting a contractual nexus between TD Bank, the lender, and the undersigned, the borrower. The undersigned avers continued adherence to the stipulated obligations within the loan agreement, remitting timely payments as required. Notwithstanding, it is alleged that the lender is engaging in discriminatory practices by impeding online mortgage payments, ostensibly motivated by the unfavorable status of the banking relationship.

It is underscored that the loan agreement executed by the undersigned does not confer upon TD Bank the unilateral authority to modify the terms of the loan, a standard feature in XXXX XXXX XXXX XXXX XXXX loan agreements. The undersigned asserts a lack of proper channels for communication with the lender, encountering redirection to the demarketing department when attempting to engage with the loan servicing department. The perceived discriminatory treatment is vehemently contested, as the undersigned claims innocence of any wrongdoing.

Furthermore, the undersigned contends an inability to receive correspondence through mail, highlighting a deficiency in the delivery method, specifically citing the absence of proof of delivery in the case of prior statements dispatched via regular first-class mail. The undersigned disputes having consented to exclusive notice delivery through first-class mail. The lender 's representations at the loan agreement 's inception purported that online payment and viewing facilities would be accessible.

In light of the alleged inadequate servicing of loans and efforts to position the loan in default, the undersigned respectfully implores the Consumer Financial Protection Bureau  ( CFPB ) to intervene. The request is for the CFPB to compel TD Bank to transfer the loan to an alternative servicer, premised on the asserted animus towards the undersigned as a customer, deemed to contravene the Fair Housing Act.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was charged arbitrarily and discriminatorily by XXXX starting from XX/XX/2023 all the way to the XXXX of XX/XX/2023 first to the tune of an incorrect amount on both me and the Capital One representatives part of about {$40.00} and then a charge on the XXXX of XXXX a charge of 3 large traveling bags from a store called XXXX XXXX XXXX XXXX  for {$52.00}. On XX/XX/2023 I called to rectify the situation after the initial amount of both transaction coming to {$93.00} was initial credited to my account then debited back into my account as a reversal. Upon going over the initial dispute amount the dispute charge amount was changed to {$77.00}. The main issue is the reversal caused my account that was a few cents in the green turned into - {$93.00} causing a deposit from XXXX  data breach of {$61.00} to get sucked up. At the reopening of the reversed XXXX $ case the adjusted amount was {$77.00} with them stating there will be no issuing of refunds of {$61.00} deposited into my account by XXXX and posted on XX/XX/2023. Please I would like a rectification of this situation with a positive outcome. Thank you.
Consumer complaint received 2023-08-03
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: Experian Information Solutions Inc. (NY)

my information was part of several data brech 's from XXXX XXXXXXXX XXXX in the year of XXXX XXXX XXXX also my information appeared in XXXX 's data brech in XXXX. 
and XXXX on XX/XX/XXXX, XXXX my social security number was exposed my information also appears on the dark web my person information, social security number and addresses via experian credit monitoring services copies attached due to t these brech 's money was aslo stolen from my bank account in the year of XXXX i filed an identity theft report with experian XXXX and XXXX this information hasn't been removed or resolved this my second attempt at removing this information with no resolution
Consumer complaint received 2024-05-09
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. (CA)

UPON REVIEW OF MY CREDIT REPORT I FOUND MULTIPLE FRAUDULENT HARD INQUIRIES ON MY CREDIT AND FALSE INFORMATION SHARED WITHOUT MY CONSENT TO THE 3 CREDIT BUREUS INVOLVED. I HAVE BEEN UNABLE TO RESOLVE THE FOLLOWING WITH INVOLVED COMPANIES DESPITE ATTEMPTS TO COLLECT INFORMATION AND REACH A RESOLUTION. THESE ARE THE FRAUDULENT HARD INQUIRIES I FOUND. AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALONG WITH OTHER DATA THAT WAS SHARED WITH XXXX WHICH I DID NOT APPROVE SUCH AS THIS XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-30
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

Got an alert on my Bank of America app ( XX/XX/2023 ) saying that a credit card ( Bank of America Customized Cash Rewards ) that I had recently opened and started using was locked due to suspicious transactions. I had made two transactions two weeks previously ( XX/XX/2023 and XX/XX/2023 ) in order to get the rewards bonus. Called the bank on the same day via the number that was listed on the app and they initially said that they couldn't authenticate me nor see my account details. The option was to either call them from the app but through the help/support feature ( XXXX ) from their app or by going into their local branch with two pieces of ID. 

I then tried the easier option which was to contact support via their XXXX feature. The rep was able to see my details then but said that he still couldn't do anything without me going into a local branch and get verified there. However, Bank of America doesn't have any local branches in Hawaii. In the meantime, the card is locked. It doesn't appear that there were other suspicious transactions other than the ones that I had made myself. 

I'm hoping that I can at least pay off the balance with the card being locked and would hate to be penalized on my credit score if I'm not able to pay the balance on a locked card. I would also like to redeem my reward bonus since I've met their XXXX XXXX XXXXXXXX but it's not clear that I can do this if the card is locked. 

This isn't really a viable option for Bank of America customers living in Hawaii to get verified if they encounter problems like this with their cards.
Consumer complaint received 2023-08-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$1300.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance XXXX {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} XXXX DPT EDXXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-11-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

So I had a problem with my Chime account and disputed a few transactions that was made on XX/XX/XXXX in the totaling amount of {$4200.00} dollars. 4 separate transactions for a {$1000.00} a piece and a {$200.00} dollar one. Ive tried disputing the transactions and they were denied with no explanation or no investigation report and when I asked for one it was never sent out within the time frame they gave me so here we are months later they never sent the money back never sent me a investigation report that shows how my claim was denied