davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit 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 2023-09-01
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: Experian Information Solutions Inc. (FL)

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES CERTIFIED CREDIT REPOR XXXX XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXXXXXX {$670.00} XXXX XXXXXXXX {$2100.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXXXXXX {$3000.00} XXXX XXXXXXXX XXXX {$320.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$0.00}
Consumer complaint received 2024-05-16
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. (MI)

This is my several endeavors to tell you that I am a victim of XXXX XXXX and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-16
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-26
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. (NY)

Per the Fair Credit Reporting Act, I XXXX XXXX XXXX the federally protected consumer, am now opting of any and all authorization. 

Please see the attached notice ( s ) I have also attached the first notice that was sent to XXXX that has been ignored.
Consumer complaint received 2024-08-21
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. (DC)

Good Day, In accordance with the Fair Credit Reporting Acts - Laws and Policies- I, XXXX XXXX, submit this written request to have the following Inquiry Account ( XXXX ) And Inaccurate Address be Deleted from my private Consumer Report and File : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian With regards to the Fair Credit Reporting Acts Laws and Policies - [ 604. 15 U.S. Code 1681b ( a ) ( 2 ) & 15 U.S. Code 1681b ( a ) ( 3 ) ] - that pertain to Permissible Purpose : - I did not give written instructions to any Person or Consumer Reporting Agency to report said inquiry account ALSO, In accordance with the Fair Credit Reporting Acts - laws and policies that pertains to Compliance Procedures ; I, XXXX XXXX, am submitting a written request to have the following Personal Information Account ( XXXX ) Deleted from my private Consumer Report and File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With regards to the Fair Credit Reporting Acts laws, and policies, that pertain to Procedure in case of Disputed Accuracy : The Consumer Reporting Agency must follow guidelines, as it relates to, the Treatment of Inaccurate or Unverifiable Information ;
Consumer complaint received 2024-05-16
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. (NJ)

I previously contacted and disputed to Transunion about a bankruptcy on my credit report. XXXX in return told me the bankruptcy was verified. this fraudulent or error by Transunion has not been corrected. I DO NOT HAVE A BANKRUPTCY. Transunion did not send me any documentation that this bankruptcy belongs to me.
Consumer complaint received 2024-05-16
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. (PA)

Hey my name is XXXX XXXX and I have notice that XXXX is reporting a Fraudulent account and on my consumer report. I respectfully ask for proof of this alleged account. And they couldnt provide any. Its been over 45 days without a response. I respectfully ask at this point that this Fraudulent account be removed immediately. This is not a third party filing this dispute.
Consumer complaint received 2023-10-30
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: CAPITAL ONE FINANCIAL CORPORATION (DC)

I filed a identity theft affidavit after my purse was stolen. My identity and social security card including my ID cellphone were stolen and used to open up 3 fraudulent accounts that are on my credit. The credit reporting agency XXXX did not fully investigate my issue and they failed to fix the problem.
Consumer complaint received 2024-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (CO)

Flagstar Bank puts through request for payments XXXX  days after the request is input online. When XXXX bank then receives the they deny the payment due to lack of funds even though the funds are in the account. The funds are in XXXX  my XXXX  and XXXX  with their feature that allows me to pull funds from my savings into my checking when I am lacking funds. None the less XXXX refuses the payment even with the funds being available and in my account. The issue lies in the fact that Flagstar Bank will not accept ANY payment method other than ones that are literally impossible for anyone in the younger generation. They are requiring me to go to my bank and get cashiers checks/money orders to send them funds and are refusing to accept wire transfers etc. The issue with this is that many modern banks no longer have locations. So essentially they are forcing me to default on my loan because they are refusing to accept payment. I have the funds and the ability to pay, I even changed banks to ensure that this did not continue happening, and they are refusing to accept any payment method available to me. Now I have to take time off work and either spend my entire day finding a bank that will give a cashiers check to someone who is not a customer, or drive to a different state and pay XXXX XXXX of my payment for a wire transfer to the Flagstar from the XXXX and only bank that they do accept wire transfers from. All in all, this is a scam and they are financially abusing their customers.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-16
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)

PLEASE BLOCKED AND REMOVED I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 informationisinaccurate. 
Please remove these Inquiries from my credit report. 
These inquiriesarelisted :
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I sent a request for Jefferson Capital to validate this debt. Jefferson Capital did not validate the debt. Jefferson Capital sent me a copy of a statement from XX/XX/year>. Per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sending statements alone does not constitute sufficient evidence of a debt. Jefferson Capital has failed to validate this debt in accordance to the Fair Credit Reporting Act. 
I sent another request for validation of the debt to Jefferson Capital, requesting Name and address of original creditor, original date of alleged debt, a detailed account history, and most important proof that they have the legal right to collect said debt, including the purchase agreement between Jefferson Capital and the alleged original creditor.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Movement Mortgage LLC (NY)

I went online to look at my mortgage this month XX/XX/2023, and saw an increase in my mortgage from {$950.00} to {$1300.00} and an increase of {$390.00}. There was no letter sent out to me. Neither did I receive a phone call or an email. I received nothing whatsoever in the months before seeing this increase online. The only way that I found out about it was when I went into my portal at Movement Mortgage. 

I then reached out to the servicing department at Movement Mortgage about this issue and I was informed by A servicing representative, by the name of XXXX, that the servicing department had failed to do an analysis of my escrow for two years. And as a result of that, there was a shortage in my escrow of {$2800.00} which I was responsible for paying as a result of their error in calculating my escrow account.
Consumer complaint received 2024-05-14
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)

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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

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 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 2023-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC (NY)

I do not knowledge these hard inquiries on my 3 bureaus ' credit reports and kindly want them 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
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-05-15
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. (SC)

I am writing to file a formal complaint regarding violations of the Fair Credit Reporting Act ( FCRA ), specifically pertaining to Sections 602 ( a ) and 604 ( a ) ( 2 ), as outlined in 15 U.S.C. 1681-1681x. The accounts in question, detailed below, have been inaccurately reported by the respective creditors, resulting in erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S.C. 1681s-2 ( a ), furnishers of information to consumer reporting agencies are mandated to provide accurate information and investigate disputes promptly. However, despite multiple attempts to dispute the accuracy of the aforementioned accounts, the creditors have failed to conduct reasonable investigations and have continued to report inaccurate information. These inaccuracies have adversely affected my creditworthiness, resulting in unjust consequences such as higher interest rates and denial of credit opportunities. As a consumer, I am entitled to fair and accurate reporting of my credit information, as guaranteed by the FCRA. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against the creditors for their non-compliance with the FCRA. Additionally, I request that the inaccurate information be corrected or removed from my credit report in accordance with the law. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify these violations and ensure fair and accurate credit reporting practices.
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Mountain Run Solutions, LLC (TX)

XXXX XXXX XXXX XXXX XXXX Mountain Run Solutions LLC aka Perfection Collection Services LLC is violation of federal law by reporting an XXXX account that is over 7 years old since the last payment was made on all my credit reports. XXXX XXXX XXXX XXXX was established in UT on XX/XX/XXXX is apparently practicing debt collection without a license once again. Previously, they did the same thing in XXXX under Mountain Run Solutions LLC name. The same actors, such as XXXX XXXX, seem to be running this business. A complaint with the Utah Department of Commerce will be filed over the phone this week. Please use your federal oversight to investigate these people.
Consumer complaint received 2024-08-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Chime Inc. (MD)

I made plenty of transfer with send wave, according to sendwave via a mail sent to me, Under the consent order, i am entitled to a refund of fees charged by Sendwave on XXXX or more of your transfers According to sendwave, XX/XX/year> Sendwave entered into a consent Consumer Financial rotection Bureau ( CFPB ) titled In re : Chime, Inc. d/b/a order with the XXXX, File No. XXXX. The consent order is available on the CFPB 's website at https : XXXX According to send wave I was suppose to get a refund cheque of {$14.00}. This check was never sent to me. 

I did alot more transfer which was charged with sendwave. None of the refund was send to me. Rather they sent me a letter claiming they sent me a cheque which is not true. 

I have contacted them twice and nothing has been done. 

Kindly look into it.
Consumer complaint received 2019-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo contacted me about fraudulent charges on my card. They then cancelled my card and told me they would send a new one. They have not sent a new one and I can not access my account online. I waited for my card as instructed for approximately a month before they called and said I was late on my payment. I paid and complained that they had not sent a card and had not given me online access. They also filed a credit report and hurt my credit and charged a late fee. I paid the owed payments including the late fee even though I felt it was unfair. I have been unable to pay because they changed my account number and have not sent me any information on my amended account. It has been a month or so since and they have still not sent a card and have not given me any online access. They have stopped being helpful on the phone and they are now hurting my credit more.
Consumer complaint received 2024-05-16
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. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.