davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-01
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)

I took a loan with XXXX XXXX in XXXX to pay off debt and maybe obtain a vehicle, they have been ok for the most part except for recently when my credit report was falsified with payments that were NEVER LATE DUE TO THEM GIVING ME LEEWAY DUE TO MY FINANCIAL SITUATION DUE TO JOB LOSSES FROM XXXX XXXX XXXX  LEAVING ME WITHOUT INCOME, EVICTED FROM MY HOME, NO CAR, I HAVE NO FAMILY OR FRIENDS AS THEY HAVE DISOWNED ME FOR PERSONAL REASON AND I HAVE BEEN DENIED/DISQUALIFIED FROM UNEMPLOYMENT BENEFITS. I SQUAT IN VACANT BUILDINGS, MOTELS/HOTELS ( WITH VOUCHERS ), SHELTERS, THE STREETS AND PUBLIC BATHROOMS. I HAVE LOST {$140000.00} IN WAGES DUE THIS SITUATION AND NOT BEING ABLE TO WORK DUE TO MENTAL HEALTH ISSUES. I AM ALSO REQUESTING RETROACTIVE PAYMENT IN LATE FEES AND LOAN FORGIVENESS.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Im writing this letter to have my correct personal information reported on my credit report. The information listed is incorrect and I tried contacting the credit bureaus to update my personal information and they keep reporting the wrong information. I have attached my drivers license and current utility bill to validate my information.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Im writing this letter to have my correct personal information reported on my credit report. The information listed is incorrect and I tried contacting the credit bureaus to update my personal information and they keep reporting the wrong information. I have attached my drivers license and current utility bill to validate my information.
Consumer complaint received 2024-05-01
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. (KS)

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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (CA)

Resurgent receivables llc is reporting in my credit report I have no idea who this company is I never done business with them before sending statements do not verify a account please send me copies of my signature and other personal information that would verify this account. 

I never done business with them or the company they bought it from please remove immediately. 

This account is reporting and shouldnt be thank you not my account
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IN)

I looked at my report back on XXXX XXXX, XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX are not complete and accurate. 
open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate | XXXX XXXX on close on XX/XX/XXXX CLOSE ON XX/XX/XXXX
Consumer complaint received 2024-06-16
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: EQUIFAX, INC. (DE)

My recent credit report is showing unauthorized, and unverified inquiries. These inquiries are hindering me from utilizing my credit. The unauthorized inquiries will be listed below and according to the FCRA they should be removed immediately. These inquiries are being reported to all three credit bureaus XXXX, Equifax, and XXXX and needs immediate removal. 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 2024-05-01
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)

This consumer reporting agency is in clear violation of the law. I obtained a copy of my TransUnion Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my TransUnion Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ).
Consumer complaint received 2024-05-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have removed this from XXXX and XXXX, I was told by outside agencies that TransUnion has been facing fraud issues, the collection agencies : XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX, XXXX XXXX XXXX date XX/XX/XXXX do not have my written consent to have my information, this violates 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES, 15 U.S. Code 1692 - Congressional findings and declaration of purpose, 15 U.S. Code 1692j - Furnishing certain deceptive forms, 15 USC 1681b : Permissible purposes of consumer reports From Title 15-COMMERCE AND TRADE CHAPTER 40-DEPARTMENT OF COMMERCE SUBCHAPTER III-CREDIT REPORTING AGENCIES , 15 U.S.C . 1635 Right to Rescind. Each violation is worth 1,000.00 according to State Law. Please remove
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (FL)

This is regarding an Amerprise financial card that belonged to my late father XXXX XXXX XXXX. I no longer have the card, just the last XXXX digits. My father and I tried for years to make changes and cancel this card. I was an authorized user on the account. We thought it was cancelled as we had not used it for years. However, they did not close it and continued to let charges go through on it. I called numerous times after he passed but they still would not let me cancel it. They told me each time I needed to put this dead man on the phone. I called again last month after receiving another bill showing they charged him another annual fee of {$150.00}. They know he died and this card is not being used. They also charged him {$150.00} the prior year and I don't know how many years prior. I cashed out the points which I was forced to deposit into the account with no other options which were over {$3000.00}. I told them to refund the {$300.00} for " membership fees. '' Today I received a letter saying the account had a balance of {$2400.00}. They stole {$600.00} from the account on top of the membership fees?? They owe us {$3000.00} and change plus the {$300.00} in membership fees. I called again today and just got transferred from person to person would not help me. 
This is fraud.
Consumer complaint received 2023-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I called Equifax to dispute inaccurate information presented on my credit report. She said these accounts would be used to verify my identity. Instead of listing my reason as inaccurate information, debt not validated, and by law these things should be removed from my credit report. Under the Fair Credit reporting act. 15 USC Code 16801 E Compliance Procedures. 
Removal of inaccurate information from my credit report, if 1 % of the data is incorrect, the data must be deleted. My credit scored XXXX XXXXXXXX XXXX within one day due to investigation processes that take 30 days. Not sure why my score tanked when I provided lawful reasons, inaccurate information, for my disputes. This is illegal debt practices by Equifax.
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-05-02
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see a lot of theses inquiries are on the same day i have no association with any of these accounts
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to contest and to dispute the inaccurate reporting of accounts on my credit report. Upon contacting the respective companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

***Follow Up Complaint *** A XXXX is listed on my TransUnion credit report but not on XXXX XXXX XXXX. Despite disputing it with TransUnion for removal, they're citing verification from a third-party company called XXXX. However, when I contacted XXXX and requested a copy of my credit report, there was no XXXX listed. I am insisting that TransUnion removes the incorrect XXXX filing from my credit report. This marks my third attempt to request its deletion, yet they have not taken action. 

1- This Public Record is Not Mine.

2-The Bankruptcy court do not report to any Credit Bureau .

3- Transunion Are Still In Fault By Keeping This Public Record On My Credit Report. 


I was Talking to a Supervisor at Transunion Named " XXXX '' Today XX/XX/year> at XXXX XXXX XXXX Time. And She Stated That The Court Is The Party Who Reported The Public Record On My Credit Report " I have Notified XXXX That I am recording the phone call '' And I have A Full Recording For The Phone Call. 

Transunion are IN FAULT, And The Information That They Provide is Not Making Any Sense, and Still Refusing To Provide The Name Of The Agency That Put This XXXX  on My Credit Report. 

I Demand That This Public Record To Be Removed From My Credit Report Immediately, since they are Not Following the FAIR Credit Report Act and Not Providing Me With The Agency Who Put This Public Record On My Credit Report.
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (CA)

Dear Sir/Madam, I hope this email finds you well. I am writing to you regarding my business checking account with Wells Fargo. Recently, I discovered a repeating transaction of {$850.00} every month, originating from the same check that was issued in XX/XX/2022. 

I immediately contacted Wells Fargo to investigate the matter and was shocked to learn that the same check had been cashed by the person for 11 times. Wells Fargo Banker also confirmed that the person was able to cash the check using the same instrument. 

Despite this clear case of fraudulent activity, Wells Fargo informed me that they were unable to stop the payment and issued a claim letter stating that they would not reimburse me for the almost {$9000.00} that was fraudulently withdrawn from my account. 

As you are aware, banks have a duty to exercise reasonable care in processing checks and transactions and to prevent fraudulent activity. However, it appears that Wells Fargo failed in their duty to detect and prevent this fraudulent activity, which resulted in a significant loss to my business. 

I would appreciate your urgent assistance in this matter, and I am seeking your guidance on how to proceed further. Thank you for your attention to this matter.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (LA)

This company is reporting multiple fraudulent inquiries on my Chex systems 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
Consumer complaint received 2024-05-02
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. (NC)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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. (NC)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing this request to dispute the payment history on my file that is erroneously harming my report. It shows multiple late payments which I do not remember that I have paid late. 

The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money.
Consumer complaint received 2024-05-05
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

I am still pending a complaint by Synchrony Bank re : them illegally charging interest they aren't entitled too and messing with my pay-in-full balance. Low-and-behold, after I send the complaint through the CFPB, they reduce my credit limit on that account. I believe this is retribution. Why can't you guys help me?
Consumer complaint received 2024-05-02
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. (NJ)

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - XXXX XXXX XXXX XXXX XXXX- This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - Please delete this item immediately. 

XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Public Record - U.S. Bankruptcy Court - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 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 or 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 data is inaccurate.