davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX Listed below are the Public Records that are being challenged Federal - XXXX Listed below are the XXXX that are being challenged XXXX - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-06-26
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. (NJ)

I XXXX XXXX, consumer and natural person, I am a victim of identity theft. I am writing to dispute the reappearance of an account on my credit report that had previously been deleted. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I request that you reinvestigate this matter, as the reappearance of this account suggests a potential error. Under FCRA Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or incomplete information on my credit report. The reappearance of this account after it was previously removed constitutes an error, and I demand that it be deleted immediately. Transunion and XXXX, have used and furnished my consumer report without my authorization consent or written instruction. My information was share to nonpublic personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX and Transunion have violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentially of my personal information. The Fair credit Reporting Act was intended to insured that consumer reporting agencies exercise their grave responsibility with falmess, and respect to the consumer right to privacy! 
Under the Gramm Leach Billey Act of 1999. I enclosed all documents social, ID, proof of account deletion and statement.
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (CA)

I am a victim of banking fraud. Someone duplicated my card and was able to drain my funds. I filed a honest clown with Wells Fargo and they refused to honestly investigate my claim, instead WF pointed the finger at me claiming I allowed whoever to charge on my act which is totally unacceptable. WF has a history of abusing its customers so obviously WF continues to have the same reputation. WF has taken all my money away from Me failed to honestly investigate my claim leaving me with no other option other then to move my direct deposit into another bank. WF has damaged my life and my credit. I hope someday WF will be happy to answer all its abuse to our creator who will judge. Wells Fargo thank you for telling me that XXXX. and the sky is green and grass is blue.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY (CA)

Upon checking my credit report through my financial institution, XXXX XXXX XXXX, I discovered a " hard inquiry '' for a TARGET/TD card. It was reported to the credit agency on XX/XX/year>. I did not apply for a TARGET/TD card, at all.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Dovenmuehle Mortgage, Inc. (OH)

years ago i took out a va loan with Dovenmuehle mortgage. and they never closed it out. it has been killing my credit for years. i know it is on XXXX but i am unsure if it is on the other credit reporting agencies. i do no have the account numbers because this was 10 or more years ago. thanks in advance
Consumer complaint received 2024-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I am a victim of banking fraud. Someone duplicated my card and was able to drain my funds. I filed a honest clown with Wells Fargo and they refused to honestly investigate my claim, instead WF pointed the finger at me claiming I allowed whoever to charge on my act which is totally unacceptable. WF has a history of abusing its customers so obviously WF continues to have the same reputation. WF has taken all my money away from Me failed to honestly investigate my claim leaving me with no other option other then to move my direct deposit into another bank. WF has damaged my life and my credit. I hope someday WF will be happy to answer all its abuse to our creator who will judge. Wells Fargo thank you for telling me that XXXX. and the XXXX  is XXXX  and XXXX  is XXXX.
Consumer complaint received 2023-10-31
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX account number 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 an account without my written instructions.
Consumer complaint received 2024-07-04
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: CrossCountry Mortgage LLC (CA)

When I went XXXX for a vehicle they said they would run my credit an it will be a soft inquiries and wont affect my credit score. But when I checked my credit score it was hit with XXXX hard inquiries. I asked why they said it will eventually go away
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Employer XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Accounts that are being challenged XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY (NY)

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 
15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 
15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 
15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (NY)

I was notified by XXXX credit ( XX/XX/XXXX ) bureau of a collection a/c thru Penn Credit.Corp . for utilities with the XXXX of XXXX, Florida. 

I reside in New York and have never been to XXXX. In late XXXX, I was aware my identity had been stolen and used to obtain rental property in XXXX. Reports were filed in New York and Florida. An arrest was made and a trial is soon to begin in XXXX XXXX Florida. Defendant : XXXX XXXX Case No. XXXX. XXXX : XXXX
Consumer complaint received 2024-07-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Approximately around XXXX of XXXX I received loan with consigner XXXX XXXX ( XXXX ) estimated to be around {$17000.00} to attend XXXX XXXX XXXX. I only attended for the XXXX  XXXX  and XXXX XXXX  of XXXX. Around XXXX of XXXX I was out because the staff was saying that I needed another loan to attend. Fees above was not the only one I also have another {$8000.00} one from the school thats on my XXXX  which I believe was categorized definitely from the {$17000.00} one that Im not understanding what it was used for. I cant recall any contracts with signatures agreeing to all of this.
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CO)

On XX/XX/XXXX I deposited a US Treasury check into my chime account in the amount of {$320.00} A check that I received every single month for my son 's XXXX. After I had already signed the check with " deposit only at Chime " and deposited it through the mobile checking feature I was told the check would be on hold for 8 days. Last month I deposited this very same check in the very same way into my account and was given the funds the very next day when I called chime to ask why I was told that the funds would be available and not to worry, I was told that 4 separate times once by a Supervisor when the funds again we're not made available on the 2nd like I was told I called back again and was told by a second supervisor that time randomly selects checks for hold and that there is nothing they can do about it and the checks would was not able to be reversed and they funds would not be available to me until the 8th I have had this account for a very long time and keep it in good standings and use it all the time there's absolutely no reason for this check to be held for 8 days I feel like my money is being held hostage and they will not help me. This is absolutely ridiculous and I am going to be closing my account once my money is given to me... I feel like they are holding this money illegally and I don't understand why there's nothing I can do about it.
Consumer complaint received 2024-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (VA)

SHELLPOINT /NEWREZ mortgage services of this account states that they suspended payments too the loan to make payments to taxes and insurance because there weren't enough money in the escrow account to pay them in full.I reminded them that they had no authority according to the contract too pay my insurance or tax at any time if monies were not availability in lure of payment to the mortgage loan there by placing said loan in default and additionally adding late fees as well. I supplied the mortgage servicers documents supplied by the XXXX COUNTY Treasury 's office which states that the homeowner is totally responsible for paying property tax, I am convinced that that the mortgages servicers concocted this fraudulent scheme too defraud me of my home by what ever means possible, I add monies to my mortgage payments to be deposited in my escrow account each month but I am unable to pay my taxes or insurances in full but they set up payment plans to accommodate the homeowners my mortgager to date has failed to pay several months interest and principal payments as contracted too the mortgage as required and has charged me several months late fees the suspension of the the note payments and the charged late fees together totals {$10000.00} which are all part of their scam to defraud me of my home.
Consumer complaint received 2024-07-04
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

I received a physical Amex Gift Card in the amount of {$1000.00}. I have confirmed that the card is activated, and the issuer 's website XXXX XXXX XXXX  confirms that the card is active. Every time I attempt to use this on XXXX, the transaction is declined no matter how small the charge. I experienced similar trouble at many other online retailers. I was able to make one purchase for {$100.00} at XXXX, but have been unable to successfully use the card at any other point. I have checked online forums, and many people have reported having this problem starting this past year. There remains a balance of {$900.00} on the gift card that I have been unable to use.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

Starting on XXXX - XX/XX/year> Someone was using my Sofi account to send all of my disability payments out during this time period to different people using XXXX. That total amount that was stolen out of my account was {$1200.00}. Then the following month on XX/XX/year>, the same thing happened but only one person stole {$1300.00} and they took it out via XXXX XXXX? I don't use XXXX XXXX or XXXX. This is still going on and I reported it to Sofi and we changed the password on my accounts but that still didn't help. On XX/XX/year> it happened again and they removed {$800.00} so I'm out around {$3400.00} by now. I only get {$1400.00} a month for disability and they took everything from me, every month and it is still happening and I can't stop it, SOFI finally just restricted my account and said they were not covering the charges and so here we are. All I want is for this to end and if I get my money back, that would just be a bonus at this point. PLEASE HELP ME GET THIS RESOLVED, IT ' S SLOWLY XXXX  ME!!
Consumer complaint received 2024-07-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (FL)

I opened up a Revvi Credit Card to help rebuild Credit. Revvi 's advertisement was misleading and fraudulent. Revvi informed me that there was a grace period as well as a {$95.00} Program Fee. I did not mind paying the {$95.00} Program Fee. However, I was very surprised to learn that payments are due the same day with no grace period. And, if you did not pay on the due date, the next day, there would be a {$41.00} late charge fee in addition to rising interest rates.
Consumer complaint received 2024-06-26
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)

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

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reached out to TransUnion starting there is an open account that is not mine and that I have no idea where it came from. 

I have not received a response from them about deleting it off my account. 

This has lowered my credit on this report that has been holding myself and family from a decent quality of life. Please help
Consumer complaint received 2024-06-26
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. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 


XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. Experian 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 XXXX