davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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 express my profound concern and disappointment regarding the handling of this attempt to remove fraudulent items. Despite previous efforts to rectify this issue, I am troubled by the persistent presence of fraudulent items. These recurring problems not only undermine the credibility of the process but also raise serious concerns about the effectiveness of the measures in place to prevent such occurrences. 

In conclusion, I trust that you will give due consideration to this matter and take decisive action to rectify the shortcomings observed during this attempt to remove fraudulent items. Failure to address these issues promptly compromises the integrity of the process and undermines the trust. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2023-03-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

In XX/XX/XXXX, I opened an account with Chase online using my XXXX XXXX account to fund the account with {$25.00}. I made a deposit on XX/XX/XXXX of {$2300.00} at the branch which consisted of 2 checks. One of the checks was my pay check XXXX {$1200.00} and the other check was my mother 's tax refund which she had given to me XXXX {$1100.00}. My mother was with me at the drive up window, provided her ID and we double endorsed the check. Within about a week of that deposit I tried to use my debit card at XXXX and the payment was rejected. When I contacted Chase they told me that my account was restricted because they needed to verify the checks that were deposited. They contacted my mother twice to verify but stated they could not contact my employer to verify because he was not listed in some database. I was told that we needed to go to a branch with his ID. Because he is in TX and I am in FL, he went to his local branch at the same time that I went to one locally. They told him they could not speak to him and he would need to call in and told me to come back another time because they were busy. When we called, the rep again stated that they could not verify him because he was not in the database. The check had already cleared in his account and was showing in my account, except my account was restricted. I was in the hospital for over a week and could not follow up on it. When I got home on XX/XX/XXXX, there was a check in the mail for the balance in my account and the account had been closed. The check did not include the funds used to open the account of {$25.00} ( each for my checking and savings ) nor did it include the funds from my pay check of {$1200.00}. I asked my employer if the funds had been returned to his account and they had not. I went to the branch on XX/XX/XXXX and was told that the money would remain in suspense with Chase and my employer would need to file a claim with XXXX to have his funds returned. When he contacted XXXX, they told him that they had never heard of this happening before and said they don't have a mechanism for getting the money back from Chase. He was told that he needs to fight with Chase. Not only will Chase not release the funds to me, they will not return them to him.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$480.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 a reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-05-15
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)

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 : XXXXAccount number XXXX Account name : XXXX XXXXAccount XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX/Account XXXX Account name : XXXX/Account XXXX Account name : XXXX XXXX/Account XXXX Account name : XXXX XXXX/Account 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 II : It also states a consumer reporting agency can not furnish a Account without my written consent.

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 move 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 2024-05-15
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.

Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-05-15
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. (IN)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-09-03
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 ACCOUNT # XXXX. XXXX XXXX XXXX XXXX  XXXX, HAS VIOLATED MY RIGHTS. F 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
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On the morning of XXXX my purse was stolen from my car at XXXX XXXX I went into my apartment at this exact time and forgot to lock my car. 
I preceded to get ready for work. I got into my car at XXXX XXXX. and noticed my purse missing. I went back into my apartment and thought I must have misplaced it. My lunch purse was also missing but, again I thought I misplaced them. 
I went to work and thought nothing of it until I checked my online account at XXXX XXXX. 
I told my boss I had to leave and immediately reported this theft to the XXXX XXXX Police Department. I spoke with XXXX XXXX XXXX. He wrote up an Affidavit of Unauthorized Use of Financial Card which was notarized by XXXX XXXX XXXX on XX/XX/XXXX. 
I assumed XXXX XXXX faxed over a copy of the police report. Wells Fargo never received this. 
When I checked my account I immediately noticed fraudulent activity. 
An {$1000.00} withdrawal was taken from an ATM on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM id XXXX XXXX XXXX. 

In addition, on XXXX {$310.00} XXXX XXXX XXXX XXXX. FL XXXX card XXXX. On XXXX {$130.00} XXXX XXXX XXXX purchase XXXX {$100.00} XXXX XXXX purchase  XXXX {$20.00} XXXX XXXX purchase XXXX {$7.00} I called Wells Fargo and gave them the both claim i.d.s that XXXX XXXX XXXX from XXXX XXXX. XXXX Police department gave me as well as his personal phone number. 
Wells Fargo gave me a provisional credit of {$1000.00} on XXXX. They also gave me provisional credit of {$670.00} on XXXX. No-one told me this was provisional. 
Then on XX/XX/XXXX Wells Fargo decided to do a card reversal of {$1600.00} as they noted this case was not fraud. 
Even though they negligently included a {$5.00} purchase from XXXX XXXX on XXXX which is a purchase I made. 
In addition no-one from Wells Fargo informed me to ad my claim number to the police report and I wasn't aware XXXX XXXX didn't fax this over to Wells Fargo XXXX 
I just emailed them the police report tonight at XXXX XXXX. standard time and no-one told me to fax them the affidavit of unauthorized use of a financial card which I will do in the morning. 
I will refax a copy of the affidavit along with the police report. 
This is exhausting! 
Is this the United States of America, when XXXX  XXXX and financial crimes are not prosecuted? Wow The suspects have more rights than the victims. 
Yes I am a woman and I have been treated unfairly. I am also a single mother and this large financial hit is unbelievable. 
I am going to follow up with Wells Fargo by speaking with a supervisor to resolve this issue after faxing all documentation. 
Thank You!
Consumer complaint received 2023-04-11
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: EQUIFAX, INC. (TX)

I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Consumer complaint received 2024-05-15
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)

PLEASE BLOCKED AND REMOVED. 
I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-05-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

I handed the bank teller XXXX dollars. The teller said there was only XXXX. I requested an audit but the manager told me there is no camera at the drive thru service neither in customer side or the teller side. The bank is Wells Fatgo Bank  at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. My bank checking account is XXXX. The bank manager is XXXX.
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but XXXX account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$8900.00} XXXX  XXXX Balance Owed : {$8300.00} US DEPT ED XXXX Balance Owed : {$7200.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$2300.00} US DEPT ED XXXX Balance Owed : {$29000.00} US DEPT ED XXXX Balance Owed : {$7600.00} US DEPT ED XXXX Balance Owed : {$10000.00} US DEPT ED XXXX Balance Owed : {$22000.00} US DEPT ED XXXX Balance Owed : {$28000.00}
Consumer complaint received 2016-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CO)

Nationstar Mortgage is habitual in sending escrow overage checks and then raising the monthly payment amount to " cover escrow shortages '' in the same week. They have also paid for ( out of escrow which did n't have enough funds ) for coverages that were already paid for by the loan holder ( and Nationstar was TOLD that the coverages were PAID BY THE LOAN HOLDER and no payment was necessary. Yet, Nationstar created an escrow shortage and DOUBLE PAID the coverages. I have been trying to work this company on straightening out this situation since XXXX, 2015. I do n't believe that NATIONSTAR listens or provides ethical practices when it comes to dealing with their customers. What steps can I take. I am on a fixed income and can not refinance to " get out from under them. ".
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

i am writing to request documentation on an account found on my consumer report. i am seeing bullcity financial solutions reporting a debt that has never been validated. I have never seen any chain of title verification/validation or agreement that i ever did business with this company. i have also never received the mandatory privacy disclosures that would be required to share my private information. i ask that a full investigation be done or the debt be deleted Immediately. 

in this investigation as required by The truth in lending act i want to know who swears under the pains and penalties of perjury this is correct. a copy of the signed agreement and proof that all disclosures were sent as required by law. i expect chain of title, proof of purchase and claims release for any debt allegedly bought.
Consumer complaint received 2024-05-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA (CA)

Applied twice for an XXXX XXXX XXXX XXXX with Mohela. XX/XX/year> and XX/XX/year>. I uploaded the documents required and it was denied for lack of documentation. I submitted all the paperwork they asked that I had. Whoever is reviewing the applications seem to not know how to read if theyre saying my documents arent proof. Ive attached my paychecks that clearly say what they are my paychecks and I used the drop down menus on Mohelas site stating what the documents are and my frequency pay. It seems to me, Mohela just doesnt want to approve applications to lower payments regardless of a persons documentation or circumstances.
Consumer complaint received 2024-08-28
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. (IL)

My account with XXXX  XXXX XXXX, XXXX. was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-05-15
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)

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.
Consumer complaint received 2024-05-15
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. (AZ)

This account was charged off on the following date XXXX XXXX. Since then, the account date of first delinquency has been illegally being changed every month. This is an update on the payment history. A charged off account Should reflect the XXXX time the account went into a delinquent status. The date of the first XXXX pass due notice. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Transunion : XXXX XXXX