davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
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. (PA)

I am a chime member and I had there secured credit builder card.. I've been a member for 3 or 4 years... They started depositing my paycheck ( XXXX dollars ) direct deposit into my credit builder account instead of my direct deposit. Which I didn't authorize. Threw the app I transfered it back to my checking account. I thought everything was fine. Then about a month later they closed my credit builder account. At first they said in was for inactivity. But I kept digging then they said it was because I had a outstanding balance of XXXX when I transfered the money back to my checking from credit builder. In there system they had me negative XXXX in my credit builder.. .. so to get this resolved it took me about a month of calling 2 times a week. So they finally fixed it and had my checking account right and my credit builder account with a XXXX balance. But they wouldn't let me reopen the account or open it themselves.I thought that was shady. So what I'm going threw now they won't report a updated balance of XXXX and closed account to transunion. They lasted report on XX/XX/XXXX. And today is XX/XX/XXXX. An I've been calling every other day. They gave me a account statement paper with a updated XXXX balance and closed account. But they won't report the updated balance to transunion. And it's hurting my credit score by XXXX points. They said they won't be reporting it because the account is closed. Well TransUnion thinks it's open and carrying a balance. That's not fair reporting.. and they won't respond to any of disputes
Consumer complaint received 2024-05-18
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)

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

Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX  - Account XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account Number : XXXX Account XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account Number : XXXX Account Name : XXXX ( Original Creditor : XXXX 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 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 2024-05-18
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. (TX)

Transunion will not remove a duplicate from an agency I have no account with have no contract with and have no signed promise to pay with is reporting a duplicate charge from another agency as a deliberate damage to my credit I notified this agency and they say its verified and true when its a third party reporting the same thing and have no contract with them
Consumer complaint received 2023-06-12
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

I order a copy of all XXXX credit reports and I notice that bankruptcy was on all XXXX reports XXXX, XXXX and XXXX I disputed this bankruptcy and i ask all XXXX credit bureaus for verifiable information and they said they verified from the bankruptcy court, so I reach out to the bankruptcy court and they sent me a letter stating they don't verify any information with the credit bureau 's and they do not report bankruptcy on a person 's credit report. I will include court paper. They also stated they got information from lexus nexis which I sent them a dispute in the mail and they refuse it and refuse to work on my dispute.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

i disagree with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the lnaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : XXXX ) in accordance with The fair credit reporting Act, public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-18
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. (PA)

i disagree with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the lnaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX, account number : XXXX ) in accordance with The fair credit reporting Act, public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business address of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-05-18
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. (NY)

I disagree with the account listed below which still appears on my credit report even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX XXXXXXXX Accordance with The Fair credit reporting Act Public law 91-506 Title VI Section 611, Subsection A-D Please provide the names and business addresses of each individual with whom you verified the above so that i may follow up. Please send me an updated copy of my credit report after your reinvestigation
Consumer complaint received 2024-05-18
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: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-05-18
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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-05-18
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. (NV)

Despite several occasions of reaching out to equal facts regarding my now, damage credit from the listing of unauthorized charges on my credit card and which several times both the bureau 's and the company were put on notice that I was in dispute with several charges that equated to nothing done to rectify. FCRA regulations compel the credit bureau to honor the rules regarding identity. Theft and remove this immediately. And derogatory claims or violation of the DCA and the FRCA.
Consumer complaint received 2024-05-01
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LD Holdings Group, LLC (FL)

I noticed unusaul activity such as unexplianed increase in payments XXXX occaisions a well as a returned payment with no explanation, when I requested to speak to fraud department I was refused, however an employee said of mortage company stated she felt it was wrong what was happening to me an she would email me some information regarding fradualant/unauthoried activity involving my account.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

Despite several occasions of reaching out to equal facts regarding my now, damage credit from the listing of unauthorized charges on my credit card and which several times both the bureau 's and the company were put on notice that I was in dispute with several charges that equated to nothing done to rectify. FCRA regulations compel the credit bureau to honor the rules regarding identity. Theft and remove this immediately. And derogatory claims or violation of the DCA and the FRCA.
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (WA)

About eight months ago, I filed an XXXX for a loan modification with Nation Star Mortgage. I have acted in good faith, sending every document that was asked for - then, submitting them again and again and again. 

The breaking point was a letter I received approximately 10 days after a conversation I had with one XXXX. She informed me that I needed to re-submit the XXXX with current dates and signatures of myself and my spouse, along with a " detailed letter '' explaining that she has not worked outside the home in several years. 

I asked XXXX if this will indeed fulfill the requirements.Checking with her supervisor, she relayed the message that it would be. 

The last time I was able to reach a human being ( which is no longer possible with this company ), I asked if the modification was going ahead. The person a spoke with checked, and informed me that it was. 

Today, I received ANOTHER letter informing me that the modification COULD NOT be completed because the STILL NEEDED DOCUMENTS THAT I HAD BEEN TOLD WERE NOT NECCESSARY AND DID NOT APPLY TO ME. 

All the time, I have told these people that I am self-employed by a number of clients, and have provided tax returns ( two years ) as well as the most recent P & L statement. I have done this TWICE. They NOW say they need " 30 consecutive days of pay stubs '' which I DO NOT GET AS A XXXX XXXX. THEY KNOW THIS. 

I was also informed that I must submit an " AWARD LETTER of BENEFITS STATEMENT. '' For WHAT? I get NO SUCH BENEFITS. AGAIN, THEY KNOW THIS. 

Now, I am completely unable to reach a LIVE HUMAN BEING at ANY TIME. I was given the name of a " Dedicated Loan Specialist '' named " XXXX XXXX, '' along with a contact phone number and an extension. This phone, like EVERY OTHER NUMBER the company has, goes to the SAME PLACE - the SAME ENDLESS MENUES with LIMITED CHOICES and NO WAY IN XXXX TO REACH AN ACTUAL HUMAN BEING. 

I have reason to believe this " XXXX XXXX '' does NOT EXIST, which to my understanding, constitutes FRAUD. 

This company has been LYING TO ME, JERKING ME AROUND and causing a WHOLE LOT OF UNNECESSARY STRESS in my life.
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX XXXX is a collection agency that I have no account with and is now duplicating a collection on my credit which is illegal and against the fair credit act equinox will not remove this error I have already had it removed from XXXX for this error but they say its verified correct I have no account with XXXX XXXX
Consumer complaint received 2018-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CO)

I got a Wells Fargo Cash Wise Card and spent more than {$1000.00} in the first three month and did not receive the {$200.00} reward. I sent emails, but was asked to direct my request to another department. Sent them an email thru the system as well. Got an email, that I have to call. Called a representative called XXXX, who claimed to pull up my data, but disconnected the call. Called again and XXXX told me, that the {$200.00} had been credited to another card, which I don't recongnize as my card. 

This all seems to be a big fraud, the promise a reward, make it very difficult to reach anybody, so people just give up and finally they claim to have credited the reard to an account, which the customer doesn't know about nor can access.
Consumer complaint received 2024-05-17
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 (TX)

My credit was stolen and used in a different state last year. I had a Wells Fargo credit card and been with them over 10 years. Never missed a payment. Always in good standing state. Then my card got stolen and some one from different state used it and purchased over XXXX $ worth of items. I did what everyone else would which calling the bank immediately but they messed up my report and filed it as dispute then months later they denied it and told me I should of filed it as fraud even tho I have told them it was fraud. This been going back and forth for a year now. Wells decided to close down my account and report it to collection agency. I simply cant do this with Wells Fargo anymore, this is not a good way treating a customer who been with them for ages without having a single issue. I need help fixing this
Consumer complaint received 2024-05-18
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. (NJ)

I am not liable for this debt of with XXXX XXXX XXXX of XXXX with Account Number : # XXXX I do not have a contract with XXXX XXXX XXXX  NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my report
Consumer complaint received 2024-05-18
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)

This Account was charged off on the following date XXXX XXXX YEAR OF FIRST CHARGE OFF. Since then, this account has been repeatedly updated as charged off every month. This is an update in payment history. A charged off account should NOT include an active payment history. 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. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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. (FL)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (TX)

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, Experian, and XXXX data breach, which raises concerns about the security of my personal data
Consumer complaint received 2024-07-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MO)

I've had XXXX Ethereum crypto ( current worth {$490.00}, has fell 10 % in price since I opened a dispute with them 4 days ago ) held by coinbase.com for almost XXXX  years now which has been unavailable. I've tried for the last XXXX  days to get resolution to this with constant run around. First it was because my ID was out dated, I went through the verification process and then they told me it was because its on hold from a transaction back from XX/XX/year> and the transaction would need to be cancelled, I contact them the next day and nobody knows whats going on with the case, I believe no one is doing any thing about the issue.
Consumer complaint received 2024-05-18
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. (NJ)

I am not liable for this debt of with XXXX XXXX XXXX of {$1200.00} with Account Number : # XXXX I do not have a contract witXXXX XXXX XXXX NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my report
Consumer complaint received 2024-08-27
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-18
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. (NJ)

I am not liable for this debt of with XXXX XXXX  {$1500.00} with Account Number : # XXXX I do not have a contract with XXXX NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED So delete this inaccuracy from my report
Consumer complaint received 2024-05-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-05-18
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. (NJ)

I am not liable for this debt of with XXXX XXXX XXXX of {$1400.00} with Account Number : # XXXX I do not have a contract with XXXXXXXX XXXX  NEVER HAD ONE they did not provide me with the original contract, purchase agreement, my wet signature and ID verification as ASKED Transunion is the only bureau reporting this false information So delete this inaccuracy from my report