davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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, 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 : 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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 {$59000.00}, # number ending in XXXX  XXXX  XXXX XXXX XXXX XXXXXXXX {$1000.00}, # XXXX XXXX XXXX {$64000.00}, # XXXX $ XXXX XXXX {$26000.00}, # XXXXXXXX XXXX XXXX XXXX {$9100.00}, has violated my rights. 

15 U.S.C 1681 section 602A. 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 instruction.

15 U.S.C 1681 c. ( 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 accurate.
Consumer complaint received 2024-01-11
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. (IL)

I XXXX XXXX XXXX has submitted several documents and several times to dispute inquiries on my TransUnion credit report. TransUnion is refusing to remove inquiries from my credit report for accounts I dont not own. I informed TransUnion that I never gave authorization for these 8 companies to pull my credit report for a line of credit. They have yet to remove the submissions from my credit profile. Ive also informed them that Im a victim of identity theft
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I recently obtained a copy of my credit report from the XXXX, XXXX and TransUnion. There, I discovered accounts and inquiries that are unauthorized. These are information that should not be on my report. These are inaccurate, outdated and can be considered as fraudulent.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MD)

This has been going on since late XXXX. I asked to have my Venmo balance transferred to my bank account the same account Ive previously added money from, and withdrawn money to. 

For some reason, they froze my account and would not tell me why until ten business days had passed and ever since, theyve been asking me to repeatedly send them copies of my identification. 

Ive done this at least five times, but its on online form that I dont get a copy of.

Im not a wealthy man.. I did not intend to loan this money to Venmo for several months. 

I want my money.
Consumer complaint received 2023-12-23
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: Experian Information Solutions Inc. (NY)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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. (MO)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NJ)

This is probably my 4th or 5th complaint sent to Wells Fargo as they have not been such a help resolving this issue. The only person who was helping was one of my prior case managers, XXXX. My last case manager apparently gave me false information stating that wells Fargo was finally in contact with the persons bank who has been charged all this money come to find out that is not the situation & i am yet again, being threatened to go to court over this due to the fact i have got false information. Basically, I have a XXXX XXXX XXXX credit card through wells Fargo. My name is XXXX XXXX XX/XX/year>, my previous Case number XXXX XXXX XXXX XXXX. My case manager was XXXX who I have been trying to get a hold of for weeks since he's closed my case stating that wells Fargo is working directly with XXXX when in fact that is not true. XXXX also told me when there are updates on when the funds have been returned to this person, he will let me know. He has not since called me back & he has given me false information & hope that this can finally be resolved. This has been ongoing for months since it was brought to my attention that a checking account which does not belong to me has been being charged. Wells Fargo refuses to chargeback that card unless the owner of the account charged files a dispute with their bank which is XXXX. i did not authorize those card payments nor did the person who's account it is. Wells fargo basically told me i have to take it up with the persons bank but I was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXX credit card. XXXX was my pervious case manager who was VERY good. l 100 % am open & willing to pay the BANK back whatever was charged to this person 's account. It has been ongoing for months now & i have yet to have a resolution. I tried to be patient, but it has been months & they only contact me if i reach out first. The person whos account it was had made a cfpb case against wells fargo as well & they refuse to help her get the money back into her account because she is not a Wells Fargo customer. Her case manager was XXXX ( who also has my info ) & that case number is XXXX. The person whose account was being charged is XXXX XXXX. We are trying to get this resolved & hoping Wells Fargo does the right thing by sending her the money that is owed to her otherwise we will have to take further actions. Wells Fargo is telling me the only way they can give her the money back is filing a dispute with XXXX  ( her bank ) but XXXX won't dispute the charges. Again, my last case i was told wells Fargo was in contact with XXXX directly but when I called again for an update i was told that is not true. XXXX can be reached at XXXX XXXX if Wells Fargo needs to contact her to get her her money back. I, XXXX can be reached at XXXX
Consumer complaint received 2024-05-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (KS)

XX/XX/2024 TSI started sending me multiple letters in the mail every month with different amounts on each one. I had told them that I paid off my doctor visit bills. I asked them to dispute to let me know where they were getting the reference numbers on my account as I looked it up on the my patient portal and saw reference numbers that did not match. Last month, XXXX they sent me a letter stating the account was closed. This month, XXXX they sent me another bill stating I owed {$400.00} something with reference accounts # s that again werent on my patient portal. They made another reference number for their company. I let them know again that I already paid off what was on my patient portal and to leave me alone. Please help me and let me know what I should do. I feel like Im being harassed with getting all these letters every month after I have disputed every single time.
Consumer complaint received 2024-01-12
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. (NY)

I noticed there are two fraudulent accounts that I did not authorize on my credit report that needs to be removed as this is impacting me negatively! Please fully investigate into these accounts and multiple fraudulent hard inquiries as well that are stated in the attached FTC report. I also attached my ID & SSN to verify my identity thank you.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-05-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

I have been fighting this for almost two years. Their dates are wrong and because of their dates, I look late. They have the account late XXXX, closed XXXX, last payment XX/XX/2021. Its supposed to be last payment XXXX, closed XXXX. I have disputed this four times, provided payment info over and again as well as proof. This is inaccurate and illegal reporting that is basically harassment at this point.
Consumer complaint received 2019-02-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HOVG, LLC (SC)

This company added a collection to all 3 credit bureaus for {$1300.00} on 3 separate occasions dating back to XX/XX/XXXX which has caused my credit scores to drop almost 100 points and has caused me to be denied for credit. The collection was added without being researched, I was never contacted prior to the collection being addeded, and the company refuses to respond to the XXXX in response to the complaint which I filed XX/XX/XXXX. I sent certified documents to this company showing the debt was paid by my insurance provider at the time of service ( XX/XX/XXXX ). The documents were received and signed for on XX/XX/XXXX, but my credit reports have nor been updated nor have I received any follow up communication from this company.They are illegally trying to collect for a debt that is not due and will not respond to any communications.
Consumer complaint received 2024-05-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (VA)

I am a homeowner whose mortgage is now serviced through Rushmore Servicing company. My loan was transferred to Rushmore Servicing XX/XX/XXXX from Rushmore Loans. I saw on my XXXX tax 1098 form that the numbers were off. In my inquiry, I also found that many of my payments since buying my home XX/XX/XXXX were not been applied properly. I sent the XXXX spreadsheet I keep to amortized my loan and copies of my payments to the Rushmore Servicing to investigate in XXXX XXXX but I have not gotten any response and get hung up on when I finally get through the automated system to a real person. I have called at least 2-4 times a week since Rushmore corrected my 1098 in XXXX. They did correct my 1098 but increased my monthly payments by almost {$500.00}. They say my escrow was a little over {$3900.00} in the negative. The extra payments I made should not have had my escrow payments so far behind. I have tried everything with this company. I can not refinance since this is a VA Loan and the VA will not allow me to increase my APR more than a percent and a quarter in this economy environment. I need assistance in any way that you may be able. I never want to go back to making decisions on whether I pay a bill or eat!
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
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 (CA)

I purchased two {$25.00} American Express gift cards and the expiration date on the cards is XX/XX/XXXX. I don't remember when I made the purchase, but I was not in a rush to use them because they expired in XXXX. However I found the remaining fund is {$0.00} for both of them today and I was told the money was unclaimed property and taken away when I called American Express. I don't know why my money is taken away. They are gift cards and not expired. I paid for them and saved them for a later use, why someone regards it as unclaimed property? They are my property because I paid for them. American Express gift card is such a SCAM!!!
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NV)

I lost about {$800.00} dollars from cashapp. I trusted this website to make and keep family and friends payment secure and safe but they decided to close my account and take all my money in it rather than contacting me about the issue and trying to get it resolved.
Consumer complaint received 2023-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Quick Bridge Funding, LLC (MA)

This fraudulent company has been mailing unwanted credit cards and Pre-qualified loan offers to my deceased father, among many other people. The company is a scam and a fraud. There are dozens of complaints against them all over the Internet and XXXX. They need to be investigated and put out of the public 's misery.
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Midwest Fidelity Services, LLC (CA)

I am receiving frequent text messages from Midwest Fidelity Services LLC debt collector ( XXXX ) XXXX for a debt in the amount of {$4300.00} from XXXX XXXX. I dont recollect ever taking out a loan with XXXX XXXX for this outrageous amount. 

I want Midwest Fidelity Services to stop texting me requesting I pay this outrageous debt.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent your company a letter on XX/XX/XXXX to request that you please include the additional information attached to my credit history report. As of yet, the account has not been added and I have not received a response. I am an authorized user on a XXXX XXXX card for my family member and you are not reporting this information. XXXX is already reporting this account. You may verify this information with the source, and I have included their contact details. Please see the referenced account below and see the attached dispute letter dated and time stamped and add the following account to my credit report : XXXX XXXX XXXX XXXX- Authorized user Credit limit {$30000.00} Open date XX/XX/XXXX Contact XXXX
Consumer complaint received 2024-01-12
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. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-12
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. (TX)

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XXXX XXXX XX/XX/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 XXXX
Consumer complaint received 2023-09-07
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc (TX)

I called AFFIRM pertaining to an item that I did not purchase. They ( AFFIRM ) in return asked me to contact the merchant and dispute the charges. So, I called the merchant and disputed the charges from XXXX. XXXX then sent me a confirmation that i was correct and needed AFFIRM to communicate with them in order to resolve and remove this purchase from my account. To date, AFFIRM has not removed this charge and is hindering me from obtaining any other needed loans and continually harassing me to pay an overdue debt that has been confirmed " not to be responsibility '' by the actual merchant.