davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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)

The fraudulent, incorrect, and misleading information on my credit report persists despite my numerous efforts to resolve the issue. The presence of these items has severely impacted my life, causing me significant stress and XXXX. It is essential to reiterate that I did not authorize or consent to this information being associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-06-10
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. (GA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-11-12
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. (PA)

Someone used my information XX/XX/2023 to apply for a XXXX credit card in my name. I did not give anyone permission to apply for any credit. I did not give anyone permission to use me as a cosigner. My credit score was so low ( XXXX ). I knew I would have never been able to get a credit card. Let alone a XXXXXXXX XXXX credit card.
Consumer complaint received 2024-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (PA)

To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX me with the following : ( XXXX ). Full accounting for this account : ( XXXX ). Copy of the assignment of purchase from the creditor ( XXXX ). Every charge and what was purchased, fee, payment, credit, interest ( XXXX ). How you calculated what you claim I owe ( XXXX ). ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ). Full chain of assignments from charge off to present ( XXXX ). Proof that you own the debt with full clear title ( XXXX ). Proof that you were on the original contract ( XXXX XXXX XXXX sect. XXXX ) & XXXX XXXX v XXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions
Consumer complaint received 2024-06-10
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. (MD)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Transunion : [ XXXX ll, XXXX ] [ XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX CARD Account # XXXX
Consumer complaint received 2019-06-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX I finance a XXXX XXXX XXXX with XXXX XXXX XXXX. When I finance the vehicle, I was in the middle of a chapter 13 bankruptcy that discharged in XXXX of XXXX. XXXX approved me for the loan I had an approval from my trustee as well. After financing the vehicle with XXXX, they reported to my credit for a few months. Then I noticed they stopped reporting. I called XXXX to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by XXXX the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of XXXX XXXX XXXX. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.
Consumer complaint received 2024-07-31
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-08-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc. (GA)

We sent correspondence to square inc d/b/a block inc and they have not responded with pertinent information requested Including certified mail item number : XXXX and XXXX dated XX/XX/year> asking for validation. The company did not respond with that information.
Consumer complaint received 2024-07-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc. (CA)

I added {$990.00} to a Skrill account on XX/XX/2024. The purpose was to use for XXXX, which I later discovered is not available on Skrill 's US-based site, only their non-US sites. I then tried to deposit the money into XXXX sites using Skrill 's virtual card, which was incompatible with multiple sites. 

After that, on XX/XX/XXXX, I tried to transfer the money back to my bank account which is an option they provide. 

My account was frozen for a review when I attempted to pull the money out. I received a message saying someone would get in touch with me within 24 hours. 

I still have not received any communication from the company. My account remains frozen with a pending case. I've added " replies '' to my case file to gain insight as to what's going on but no one has responded to me. 

Given the lack of response and being well beyond the 24 hour window for communication they claim to adhere to, I've decided to file a complaint.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

XXXX XXXX accounts # XXXX and # XXXX are reporting debts I do not owe. These debts are past the New Mexico statute of limitations and I do not legally owe these debts. I would like these accounts to be removed off of my credit as I no longer owe them.
Consumer complaint received 2024-06-10
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: WELLS FARGO & COMPANY (GA)

To whom it may concern : I writing out of consumer and investor concern in regards to Wells Fargo Advisors and Wells Fargo Bank in XXXX, GA. I was employed with Wells Fargo Advisors in XXXX from XXXX of XXXX until XXXX of XXXX. I have 27 years in the financial planning business. Wells Fargo Advisors and Wells Fargo Bank is intentionally not updating/changing the agent of record on all annuities when a financial advisor resigns or leaves their firm. Is this localized or is this nationalized? Each region operates independently. Some of these annuity statements still have my name on them as broker of record. How is this possible? They are using my name without my consent as well as jeopardizing my integrity. Is this a risk to me to be associated with Wells Fargo in this manner? I have old ( that did not transfer to my new firm ) clients asking why do I still have access to their annuity when I am no longer employed with Wells Fargo. This puts me in an awkward position. Wells Fargo Advisors is putting my integrity at jeopardy candidly. As stated, I have 27 years in this business and take great pride in doing business the transparent and compliant way. I have been separated from service for 18 months and still the agent of record on these annuities. This means I can still call the annuity carrier and obtain contract information WITHOUT the clients consent. Is this in the best interest of the client and consumer? 

How does this fit REG BI ( FINRA Best Interest Rule ) and in the best interest of the client?

One interesting detail is most of these annuities are under the {$250000.00} account threshold minimum. Wells Fargo Advisors pays no commissions on annuities/households under {$250000.00}. So at the expense of the consumer, they are placing all annuities into a house account and retaining the revenue while jeopardizing confidentiality of the client. Please address this unethical behavior. 

Below is a link to the Wells Fargo Advisors recent article relating to small household payouts. Please read. 

Per the client 's request, there is a copy is a client statement that they sent to me out of concern. Please see attachment as as well. 

My concern is this similar to HIPPA by breaching client confidentiality? 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (KY)

I did a Credit Card payment plan through XXXX XXXX. They take a little over {$600.00} a month out of my checking account and pay my cards for me. I have 4 of the credit card companies that have reported to the credit bureaus that my accounts were charged off when in fact they are still getting paid through the plan. XXXX XXXX works with the credit card companies and make a payment plan and come to an agreement. What can I do to make them take the CHARGE OFF status off the credit report when they are still getting paid as if I were paying them myself? I never missed a payment or was ever late. They were usually always paid early and for more that the minimum.
Consumer complaint received 2022-01-11
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)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2024-06-10
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)

With XXXX XXXX  a fraudulent check was deposited into my account via mobile deposit which wasnt made by me my login information was compromised my phone which is unlocked with no password was lost and stolen and I had to get a replacement phone and after that happened fraudulent activities has occurred on my account and now XXXX  XXXX has reported that debt as a collection on my report and it dose not belong on there and it wasn't done by me because as I stated I was a victim of identity theft.I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.There saying I owe {$430.00} which there's no way I'll owe that if I never withdrawed that out of the account please remove this unlawfully charge off immediately off my credit reports.
Consumer complaint received 2024-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I deposited {$5000.00} of cash into a Chase Bank ATM at XXXX XXXX XXXX XXXX on XX/XX/XXXX at around XXXX pm. The ATM number is XXXX. The amount that I deposited never showed up in my account. I withdrew the amount from my XXXX XXXX account the same day at around XXXX XXXX and I have proof of that. 

I called Chase about this issue and they opened an investigation. They confirmed that I was there at that time with cash and deposited it into the ATM using the video footage that they have from the ATM. They also have a log of me entering the Chase Bank and using the ATM at XXXXXXXX XXXX which is the time they provided me. 

However, they will not add the balance to my account because, for some reason, they didn't see any difference in the amount when collecting money from the ATM. I did not get a receipt from the ATM as that was not offered to me from the ATM after my transaction was made.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-06-10
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)

On XX/XX/year> a police report was made reporting cavalry portfolio services as a fraudulent account. A report to the federal trade commission was also made against XXXX XXXX XXXX XXXX. On XX/XX/XXXX a cease and desist notice was sent certified mail demanding cavalry portfolio services to stop its attempt to collect any debt for these accounts, stop reporting this fraudulent information to the credit agencies and pay the invoice for violation federally protected consumer rights. 

XXXX XXXX XXXX have failed to provide any written permission containing my signature along with the purchase agreement between the seller and buyer of this alleged debt.

According to title 15 usc 1681c-2 , a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an ALLEGED identity theft, not later than XXXX business days after the date of receipt. 
XXXX, Transunion, and XXXX have continued to be negligent in their investigation and have willingly reported false and fraudulent information on my consumer report.
Consumer complaint received 2024-07-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (MN)

I understand that you verify the information that the agencies report on the credit, so how do you tell me that you have no control over how the agencies report? This is an abuse. Does the balance of this account go up and down whenever it wants? and I really believe that they do it as part of revenge for being disputing. I ask that you remove this account from my credit report, as this is abuse.
Consumer complaint received 2024-06-10
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. (GA)

I am writing to request your assistance in blocking fraudulent accounts that have appeared on my credit report as a result of identity theft. I was unaware of this activity and do not know who is responsible. I have not received any services, goods, or money due to this theft.
Consumer complaint received 2024-06-10
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)

I am writing to file a formal complaint regarding unauthorized inquiries on my TransUnion credit report. Despite multiple attempts to dispute these inquiries with TransUnion, they have not been removed. I believe these inquiries were made without my authorization or a permissible purpose, and they are negatively affecting my credit score. The unauthorized inquiries are as follows : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXXXXXX XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX. XXXX, XXXX ; XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX XXXX, XXXX ; XXXX XXXX XXXX on XXXX. XXXX, XXXX ; XXXX XXXXXXXX on XXXX XXXX, XXXX ; XXXX XXXX on XXXX XXXX, XXXX ; and XXXX XXXX XXXX XXXX  on XXXX. XXXX, XXXX. I have contacted TransUnion and the companies involved, requesting an investigation and removal of these inquiries. Some companies said they would open a case but never got back to me, while others claimed they have no way of checking inquiries. I have provided TransUnion with my identification details, contact information, a list of the disputed inquiries with their respective dates, and a clear statement that I did not authorize these inquiries and believe they were made without a permissible purpose. Despite these efforts, TransUnion has not removed the unauthorized inquiries from my credit report. This has caused significant stress and concern regarding the potential misuse of my personal information and the impact on my creditworthiness. I respectfully request the CFPB 's assistance in resolving this matter. I seek the removal of these unauthorized inquiries from my TransUnion credit report and a thorough investigation into the practices that allowed these inquiries to occur without my consent. Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.