davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-05-13
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 am writing to dispute the late payment entries recorded on my credit report. These late payments impacted my financial management capabilities. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 
I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. The bank associated with these late payments has agreed to remove them.. 
Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (NJ)

This involves my XXXX rewards Visa. The account was originally managed by XXXX XXXX XXXX and switched to Commenity Bank in XXXX. I was advised that it would take a while for my cash back points to convert to cash back. I was interested in using these points while looking into vacations around spring/summer of XXXX and knew my points added up to over {$500.00}. I never booked a vacation or redeemed any points at this time. After the account was switched to Commenity Bank I began checking on my cash back amount to redeem so i could book a vacation. My account was only reading under {$3.00}. I called the first time on XX/XX/XXXX and spoke with an XXXX who advised it was still processing. My XXXX travel agent advised this was strange and she has heard of other XXXX customers having issues. She also advised that her personal account had already converted and it happened a few months prior. 
I accessed my account and looked at my cash back section to find approximately 30 individual items listing cash back adjustments on XX/XX/XXXX and all equalled {$610.00}. On XX/XX/XXXX the value lists {$0.00}. I called two more times and spile to an XXXX on XX/XX/XXXX. I was on the call for almost an hour and wanted to speak with a supervisor. XXXX kept leaving me on hold saying he was trying to get a supervisor and tried to convince me to call back. He ended up coming on and saying no supervisor was available. The last time I called I forgot who I spoke with but everything was explained and they said they couldn't access the cash back history. I advised that I could and I never redeemed anything from my account and wanted to know why it went to XXXX on XX/XX/XXXX and they advised they could not tell me. Now I see that I was getting the run around from each customer service agent I spoke to. Either way they are responsible for my account and need to rectify replacing my {$610.00}. I have screen shots showing all of these transactions too. My cash back still only shows {$2.00}
Consumer complaint received 2024-05-13
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)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 2024-05-13
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. (WV)

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

XXXX XXXX XXXX XXXX XXXX, AK XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2024-07-23
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. (GA)

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX that protect me. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-05-13
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. (OH)

I've been a victim of identity theft, my information was exposed to the public in the XXXX data breach and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm to me. I need these fraudulent accounts removed immediately.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act ; the following accounts are in violation of my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. Subsection 4.- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 A. SubSection 2- a consumer reporting agency can only furnish an account in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (FL)

Sterling background checks also known as Sterling Check XXXX Requested official US gov documents namely DD214 to be attached to their portal as a supporting document. Requested from candidates that possess a security clearance in screening process sensitive information and documents such as social security numbers, DD214, W2s, IRS tax returns. When doing so were told by Sterling Background Check employee that the Acting Director of the Department of Defense named XXXX XXXX requested this information. The employee nor the company could tell the candidate/consumer where or how their documents would be stored or how their personal data would be used. The employee also gave false information regarding the method of retrieval of such information. The company is using a foreign call center to process this data and US citizens sensitive data and transmission of gov documents that may or may not contain sensitive personal information protected by the US Gov. As part of such checks Sterling is also collecting personal health information that must be protected under HIPPA. I was also told that the XXXX XXXX XXXX XXXX  does not do business with Sterling Background checks for which they claim they were contracted to conduct business. Inaccurate reporting by Sterling Background checks may cause significant delay in employment start date and or a risk to employees loss of employment. I have retained correspondence with Sterling Checks and have CC Dept of Homeland Security, CISA, and the Department of Defense.
Consumer complaint received 2024-05-13
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. (FL)

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 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
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Penn Credit Corporation (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2024-05-13
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. (MI)

I was a victim of unauthorized inquiry reporting and this is another request to eliminate the items from my credit file resulting from unauthorized inquiry reporting. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any items no later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous complaint & I am including it again. Additionally, the information you provided on these items are UNKNOWN to me and DELETED from other bureaus, which leads me to question their accuracy : XXXX : XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX. This communication serves as your last warning. If you do not expunge the listed items from my report, I will initiate legal action. I have briefed my attorney on my intentions, and they are ready to hold you accountable for any willful noncompliance. Please expunge the items resulting from an unauthorized inquiry reporting. Thank you for your prompt attention to this serious issue.
Consumer complaint received 2024-05-13
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. (LA)

Thank you for addressing the removal of some fraudulent entries in my credit file. However, there are still entries remaining that need to be addressed. I am submitting to dispute these remaining entries as a result of erroneous information reporting. The disputed items are not connected to any transactions that involve the acquisition of goods, services, or money that I have conducted or authorized. Please proceed with the removal of these entries from my credit report, as they arose from inaccurate reporting. These entries are unfamiliar to me, and I have concerns about their accuracy since similar entries have been deleted by other credit bureaus. As mandated by FCRA 605B ( c ) ( 1 ) ( C ) concerning the authority to decline or rescind inaccurate information, I request the following entries be removed. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Again, the items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of these items in my credit file that resulted from an alleged erroneous information reporting. I appreciate your prompt attention to this matter and await your reply.
Consumer complaint received 2024-05-12
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NM)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TX)

Case : Truist Bank versus Customer During the month of XXXX, an unexpected issue arose involving my rent payment. This problem occurred around the holiday period. On XX/XX/XXXX, I took care of all my financial obligations as per my routine. However, this month, unlike the usual scenario, my landlord did not provide me with a payment confirmation. This led me to believe that the initial payment had not been successful, thus, I initiated another rent payment. Unfortunately, there was still no confirmation. It was after the XXXX of XXXX holiday that I noticed a double payment had been processed from my account. 

In response to this, I reached out to the representatives at Truist Bank. I had hoped that they would assist me in resolving this issue. However, when I contacted them the following day, the representative I spoke to claimed there was no record of my previous call. 

I pleaded with Truist Bank to either halt any future payments or to refund the overdraft fees while I sorted things out with my apartment management. Regrettably, they declined. The fallout from this misunderstanding left me with {$240.00} in overdraft charges. What's even more troubling is the fact that these charges appear to have been imposed multiple times on the same day, specifically XX/XX/2023. 

Despite my additional attempts ( two more, to be precise ) to reason with the bank and plead for at least a partial refund of the fees, they remained unyielding. I find the imposition of these overdraft fees to be predatory, especially since I had requested a halt to the payments.
Consumer complaint received 2024-05-12
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. (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.

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 2023-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NY)

Bought a van in XXXX  XXXX, NY in XXXX of XXXX  the loan was through Wells Fargo we did not hear anything from them no communication whatsoever. At the end of XXXX I called the dealership they said they would contact Wells Fargo, In XXXX I contacted Wells Fargo gave them my SS # and the told me they were going to reposes the Van. I told them I had not received any payment options from them like where I should send the payments. The persisted on saying I was delinquent and they were going to reposes the van. I again called the dealership to ask what was going on. They called Wells Fargo and then called me back to inform me Wells Fargo had misplaced the paperwork and I would have to redo the loan. So I had to go back to the dealership and resign the paperwork. I heard nothing from Wells Fargo no apology no sorry we screwed up just pay us or repossessing your van. Terrible customer service, an unorganized mess of a company.
Consumer complaint received 2023-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANNER CORPORATION (WA)

I am XXXX years old, and English is my second language. My daughter, XXXX XXXX, has been helping me at Banner Bank with my HELOC. She has been requesting a fixed interest rate for my Heloc for over one year. Banner Bank has refused to offer me a fixed interest rate, and my payment has more than quadrupled. She began making this request in XXXX of 2022. My loan allows me to rollover my interest rate to a fixed interest rate any time during my draw period. Banner Bank has been illegally charging me every month refusing to honor the terms of their own promissory note.