davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (NY)

I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) to address the apparent violation of the Fair Credit Reporting Act ( FCRA ) regarding unauthorized hard inquiries on my TRANSUNION credit report. Under the FCRA, 15U.S.C. 1681 Section 602 A, I am unequivocally granted the right to privacy, which includes safeguarding my credit information from unwarranted inquiries. Moreover,15 U.S.C. 1681 Section 604 A Section 2 explicitly states that a consumer reporting agency can not furnish an account without my written instructions, leaving no room for doubt that these inquiries should not have occurred without my explicit consent. The following unauthorized hard inquiries were made.JXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX I insist that the CFPB thoroughly investigate these clear violations and take immediate and definitive action to remove these unauthorized hard inquiries from my TransUnion credit report. Such steps are imperative to uphold the FCRA and protect my fundamental right to privacy. Your swift and decisive intervention in resolving this matter is expected and appreciated. I have also attached documentation to this statement
Consumer complaint received 2023-08-25
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)

We noticed a new inquire on our Transunion credit report by XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. We contacted a customer service person from there credit card investigations team to investigate the issue as fraud because I did not submit an application for an online consumer loan. This was done during the same time periods as XXXX and XXXX in which are both under review currently as well. The XXXX person over the phone advised me to submit an online Declaration of forgery form, which we did and nothing happened. No one ever contacted us back or sent us a follow up email/confirmation of the submission. I called in on XX/XX/XXXX for a follow up and no one had any record of my submission and advised I submit a new declaration which we did. We followed up on the XXXX and XXXX replied by saying the information submitted was true and no further action was needed. I believe this submission to be a case to be fraud and believe the incident was handled poorly by XXXX and am requesting XXXX to remove the falsely reported loan inquire/information from my credit report. 

Thank you Warmest Regards. 
XXXX XXXX XXXX
Consumer complaint received 2023-06-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-09-12
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)

In 2017, I was the victim of a robbery in my house and I reported the theft of all material belongings ( television, computers, jewelry, money, among other things ) to the police and notified the theft of my credit and debit cards. However, accounts payable appeared and others went into collection and do not disappear from my credit report. The case was even taken to court and each time the judge ruled in my favor. because it is clearly evident that the credit cards were not in my possession at the time of the consumption. However, this history has not been removed from my credit report and they appear as closed accounts but with a debit amount. despite the fact that I sent them proof that none of those cards were in my possession at the time of the consumption, which also took place in different parts of the country on the same day.
Consumer complaint received 2024-05-09
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. (WI)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-23
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)

I want the account removed from my reports at the XXXX credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered XXXX to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within XXXX hours from all XXXX credit agencies. I also filed a 1099 and the IRS have that as well. The XXXX XXXX did not send me copy b back. I will also be filing a 3949a form due to that as well if this account is not removed from my report and the title of the vehicle needs to be mailed to me also. 

Account # XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I want these accounts removed from my reports at the 3 credit agencies within 72 hours of this complaint. These accounts are past the 7 year stataitory limit. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information sold to another company. I want all accounts removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 

Account # XXXX Account # XXXX Account # XXXX
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-01
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. (MD)

A credit card account was opened XX/XX/2019 and {$830.00} was spent on the card over several months. I never knew about this account until about a week ago which I immediately disputed using my XXXX account. Please my credit report and know that the only negative items on on my credit report was for late payments on my sons student loans that I co signed for. After my son missed the second payment I took over paying that bill and not ever been late making any payments. When I called the credit card company and provided my information none of it matched the account in question. The lady recommended that I contact XXXX and let them know of fraudulent activity. I then contacted XXXX and stated a dispute. The only other information that I have on that account is what I got from my credit report and is as follows : XXXX XXXX. Thank you for your assistance.
Consumer complaint received 2021-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (CO)

On XX/XX/2021 I completed a refinance on my home and had the original loan paid off by the new lender. XXXX XXXX XXXX, and the servicer, Dovenmuehle Mortgage , Inc. erroneously withdrew a mortgage payment for the amount of {$1500.00} on XX/XX/2021, despite no longer holding the note on the loan. When contacted on the XXXX of XXXX, 2021, I was informed it could take up to two weeks to return the money that was taken from my account in error. This is completely unacceptable and both institutions deserve sanctions.
Consumer complaint received 2024-06-22
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-12
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. (CO)

I am writing to bring to your attention to a billing discrepancy based on the interest charged on my XXXX XXXX XXXX Bank credit card listed as follows : XXXX : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided my accounting for XXXX of the billing cycles, which show discrepancies between the average daily balance and interest rates calculated. 

The average daily balance for each billing cycle was calculated by adding up each end of day balance in the billing cycle and dividing that amount by the number of days in the billing cycle. 

The details of the discrepancy are as follows : The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$12000.00} APR : 15.99 % Average Daily Balance ( ADB ) : {$12000.00} ALLEGED ADB : {$12000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$170.00} ERROR ALLEGED INTEREST : {$170.00} ============================================= XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account statement has a discrepancy as follows : Starting Balance : {$980.00} APR : 15.99 % Average Daily Balance : {$2500.00} ALLEGED ADB : {$2400.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$33.00} ERROR ALLEGED INTEREST : {$32.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$6100.00} APR : 15.99 % Average Daily Balance : {$6800.00} ALLEGED ADB : {$6900.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$89.00} ERROR ALLEGED INTEREST : {$91.00} ============================================= The billing cycle of XX/XX/XXXX to XX/XX/XXXX on my XXXX XXXX XXXX Bank credit card account has a discrepancy as follows : Starting Balance : {$11000.00} APR : 15.99 % Average Daily Balance : {$11000.00} ALLEGED ADB : {$11000.00} Daily Rate : XXXX Number of Days in Billing Cycle : XXXX Interest Calculated This Cycle : {$150.00} ERROR ALLEGED INTEREST : {$160.00} Upon a thorough review of my billing statements, I noticed a significant discrepancy between the alleged interest charged and the interest I expected based on the provided information. The interest on numerous statements I calculated using the data the furnisher provided differs from the amount claimed. To assist you in your verification of my calculations, I have attached copies of the relevant billing statements and calculations for your reference. 

Due to these accounting/computation discrepancies, all of the balances listed on this account are inaccurate and unverifiable.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED.

This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account!

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Consumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Consumer complaint received 2019-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

My home mortgage loan was recently sold to Wells Fargo bank. I have not set up an ACH to pay my mortgage ( {$1400.00} a month ) and have been mailing in my payments with a paper check. I received notice in the mail that my loan had been sold and instructions on where to mail payment. 

I mailed my XXXX payment to Wells Fargo in via check, and noticed that it cleared on XXXX XXXX instead of the date of the check ( XXXX XXXX ). When I went into my XXXX checking account on line to see why it cleared early, there was no picture of the check and my account statement said it was processed as an ACH. I thought it was a fluke. 

I mailed my XXXX payment to Wells Fargo via check on XXXX XXXX. I dated the check XXXX XXXX. I had some money in my account when I mailed the check, but not enough to cover the mortgage payment. I knew I would receive my salary payment o/a XXXX, in plenty of time to cover the mortgage check for XXXX XXXX. My payment to Wells Fargo was processed for payment on XXXX XXXX putting me in a deficient funds status. When I went into my XXXX checking account on line to see why it cleared early, there was no picture of the check and my account statement said it was processed as an ACH. I called XXXX and complained. 

After looking into the matter the XXXX employee informed me that because I provided Wells Fargo a check they can process it as a check payment or as an ACH. I do not believe this is correct. I did not authorize Wells Fargo to process my payment as an ACH. I believe it should have been processed as a check transaction, since I provided a physical check. 

I do not think that it is accordance with financial laws for XXXX to approve ACH from my account without confirming that I have given written approval for Wells Fargo to process as an ACH. I do think that it is in accordance with financial law for Wells Fargo to process my payments as ACH. I am frustrated that I was responsible in mailing my mortgage payments in on time, and dated them within the allowable window. I do not think that XXXX and Wells Fargo should be able to operate like this, and it has taken me a considerable amount of my personal time digging into this. I am fortunate that I have set up over draft protection on my XXXX account, and that I have been reviewing my account activity. This should not be allowable business practice for either bank and I hope that the CFPB can help me get more clarity as to why this is happening, or compensation for the violation. 

With all of the scandals that are going on with Wells Fargo I did not plan on giving them permission to process ACH from my accounts and I do not wish to try and figure this out with them. I do not trust that they will be transparent.
Consumer complaint received 2024-06-22
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)

In accordance with the Fair Credit Reporting Act, the creditor XXXX has violated my rights under 15 USC 1681 Section 602, which states that I have the right to privacy.

Under 15 USC 1681-604a Section 2, it states that a consumer reporting agency can not furnish an account without my written instructions. Additionally, under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. Unless they mail out documents 21 days before due date.

I did not receive any letter requesting consent to furnish said account in a negative manner. I did not give verbal nor written instructions under any circumstance. 

This ( 1 ) late payment caused my credit to drop XXXX points, consequently impacting my opportunity to purchase a home for my family and me. I need this to be rectified immediately. I have requested that they correct this issue several times. I need to know the next steps to leverage and engage a consumer lawyer.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION (NV)

In XXXX, while I was away playing professional basketball overseas, my father obtained more than XXXX XXXX in fraudulent debt/credit in my name. While I have been able to have most of this fraudulent activity removed, there are some accounts/creditors that remain. I did not receive any benefit from these accounts nor did I know anything about them until XXXX. I filed a police report but can not access a copy, and have been unable to file another report due to my traveling schedule. I have submitted several fraud investigations with the credit bureaus but they have not taken the appropriate action.