davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (MS)

I am formally writing this dispute to address XXXX XXXX  companys response to my request for investigation. 

As it stands, you have failed to consider all relevant information provided to you per 15 USC 1681s-2 ( 8 ) ( E ) ( ii ) Duty of person after receiving notice of dispute. I concluded this reason based on this companys response to my notice of dispute through the CFPB portal. I was very clear about the issues connected to the account this company has furnished with consumer reporting agencies.

If this account is accurate as you say, then who is going to correct the inaccuracies that are connected to XXXXXXXX XXXX XXXX  that I am currently seeing? 

Surely, the consumer reporting agencies will not do it because THIS company is giving them the green light to keep the account as it is, uncorrected. 

Id. at XXXX ; see also XXXX XXXX XXXX ( XXXX XXXX. XXXX  ) ( defining verify as [ t ] o prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate ). 

As seen on the highlighted consumer disclosure report that has come directly from XXXX that I provided to you as my proof of claim, there are currently ND ( No data ) notations being reported, a random 90-day late payment and 180-day late payment notation that is shown in my consumer report. I will not allow this misinformation to ruin the integrity of my consumer report. 

This response is not the same complaint. The nature of the complaint is completely different. This is a demand for deletion as remedy for failure to comply with the FCRA
Consumer complaint received 2024-05-24
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. (FL)

These Hard Inquiries Don't belong to me, hasn't being authorized being authorized by me and has to be removed. also this as well. Thanks hardinquiry XXXX XXXX XXXX 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 2024-07-09
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. (NE)

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 XXXX. XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXXXXXX XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : 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.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 2023-08-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I filed disputes with Wells Fargo since XXXX XXXX. Theyre claiming that I authorized a transaction that was sent to me cia text aa a fraud alert,. I DID NOT AUTHORIZE THE TRANSACTION!!!! I DID NOT RESPOND TO TGE TEXT!!!! I called immediately after the fraud alert! XXXX even has proof that i was not the person that verified the transaction! Wells Fargo is still denying to give me the funds back! I dont know any XXXX XXXX XXXX that is the person that used my debit card under there XXXX account! XXXX is more than willing to share all information with Wells Fargo! Its ridiculous that i have to go through this! Im sure i am not the only Wells Fargo customer with this problem! Wasnt well fargo stealing money from there customers before?! Ive been with this bank since XXXX and i never felt so abused by this company. Im am not going to stop fighting this! I have been trying to be so patient! I may have to get a lawyer involved because this is hurtful and ridiculous! {$2500.00} is a lot of my to steal!!! I want my money back! Im still waiting for Wells Fargo to give me the money back. Im so tired of being hurt by this bank!
Consumer complaint received 2024-05-24
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. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-05-25
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. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Reporting by XXXX ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by XXXX The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) - Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) The issues with this account are as follows : XXXX. XXXX XXXX with XXXX : ** I have no contractual relationship with XXXX. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with XXXX invalidates the reporting of this debt on my credit report. 

2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.

3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading. 

4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. 

I have previously disputed this matter with the credit bureaus ( TransUnion, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. 

Please find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. 

I request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-05-25
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. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXXXXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am attaching copies of all letters sent below.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (TX)

On XX/XX/XXXX MOHELA reported to experian that they were unable to locate me. But I have been in contact with mohela and made payments even though my loan are being deferred because I am in school. I havent changed my mailing addresses still the same one mohela has on their file. 

My credit score dropped because mohela reported they were unable to locate me.
Consumer complaint received 2024-05-25
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. (AZ)

I appreciate your time and effort in removing some information from my file related to an alleged identity theft. However, there are still accounts that need to be removed. Per FCRA section 605, you are required to remove any accounts listed on an ID Theft Report # XXXX. Ive already included this report in a previous letter and am including it again. Please see below the accounts that I would like to be removed from my credit report : XXXX XXXX XXXX Balance Owed : {$270.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Owed : {$270.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credence Resource Management, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX SSN : XXXX XXXX XXXX breach engagement number : XXXX Claim number : XXXX My information was sold and bought illegally because I am a victim of the XXXX XXXX Breach XXXX I would like these illegal accounts deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I am in fact a victim of this data breach and has done nothing to resolve these illegal matters. Iam asking to please help me by deleting these illegal accounts from my credit report.
Consumer complaint received 2024-06-25
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (MD)

Why am I still receiving emails from the bureaus claiming Im assisting credit repair companies? This is incorrectI send the letters myself. Take action now, or I will pursue legal action. Here is the list of negative accounts and inquiries I want addressed. 

Equifax : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$590.00} XX/XX/XXXXXXXX XXXX XXXXXXXX Account Number : XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX {$590.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2023-05-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/XXXX, I opened the account. My paychecks went in. I did a transfer out to another account. American Express locked the account. I only found out after I tried to repeat the transfer. The web app does not have a notification system. They never emailed me or called me. I spoke to XXXX in the Fraud team. He explained my other bank reversed the transfer. He said the only way they would release the block is if I faxed in an Affidavit of Identity. I contacted XXXX and they signed the letter. XXXX said he did not see the fax. 

The next day, I called my other bank. They said they never even saw the transaction. I called American Express again that same day and they admitted they blocked the transfer and not my other bank.

They confirmed receipt of my fax but said they would not unblock the account because notary 's seal was too small to read. I asked them for an email address to send the form. They refused to provide one. They explained that a person collects the faxes and then scans them into their system. That is why the quality is so poor and why it took so long for them to confirm receipt of my fax.

I requested for their position to be put in writing and they refuse. I requested my account be closed. They refused. I emphasised repetatedly that the funds are my paychecks. They don't c
are.
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-25
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: EQUIFAX, INC. (NC)

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXXXXXX Balance : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (IL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't 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 didn't follow the proper 5 step validation procedure which makes this unfair practices
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-25
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. (NC)

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX