davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX, XXXX FIN : 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 information is inaccurate.
Consumer complaint received 2023-11-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo Bank -attempted a wire transfer from my savings account on XX/XX/XXXX. The account was then shut down and I was unable to do any online banking until I came physically into a wells fargo bank site and verify my identity. I did this on the following Monday XX/XX/XXXX and spent over an hour and XXXX on the phone with the fraud department explaining the purpose of this wire. They stated they were investigating the wire and would hold funds until cleared.I called again on XX/XX/XXXX asking for the return of my funds as wire did not happen and was told I had to file a claim. I asked for a return of my money to my bank account that day as well. The claim number ID is XXXX. The rep I spoke to stated it would be refunded within and could take a maximum of 10 days. Today is XX/XX/XXXX and I still do not have MY MONEY back into my account. I have bills coming due and do not have the funds to pay so this issue will make matters much worse for me. This is illegal and needs to be taken care of immediately.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (NE)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX CARD XX/XX/2021 XXXX XX/XX/2021 XXXX CARD XX/XX/2021
Consumer complaint received 2023-05-08
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 — Problem with personal statement of dispute
Company: T.S. Holdings (MS)

In XXXX of XXXX I was a victim of fraud due to my apartment complex managers email getting hacked. This happen at the beginning of covid I received an email from apartment mangers email stating due to COVID and California being on shutdown all rent payments where to be sent to wiring information that was sent in email with XXXX XXXX XXXX letter head attached. I made rent payments to the wire information. I later found a month later that it was a scam. I tried reporting issue to my bank they said they were unable to recover funds due to it being a wire. I have been in a debt with property management company for a few years now. Debt was in collections I filled dispute and it was removed. Now they have sold debt to new collection agency which whom I have never done business with and they are charging me interest on top of the balance.
Consumer complaint received 2023-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC (GA)

I have not been treat at XXXX XXXX XXXX. I Categorical deny owing this or being seen at this hospital. my car was stolen and had a few fraudulent transactions all have been resolved with the acceptation of this medical bill and apartment. I have lived at my current resident for 19 years,
Consumer complaint received 2024-01-02
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. (IL)

XXXX  information was wrongfully gained by the companies listed below resulting in inquiries to XXXX XXXX report. All of the following inquiries should be removed from XXXX XXXX report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2024-01-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Grant Mercantile Agency (CA)

Received debt collections from grant mercantile agency regarding a supposed medical bill that wasnt paid. I verified with my medical insurance and their third party payment processing company that the bill has been paid. I contacted XXXX mercantile with proof via email that the debt has been paid through medical insurance and they have not responded to my emails with included receipts.
Consumer complaint received 2023-07-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I was trying to buy a house and I realized I had damages on my credit report and according too FCRA 15 U.S.C. 1681 law there should be no damages to my report this is a defamation of my character.
Consumer complaint received 2023-11-18
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (PA)

XX/XX/2019 & XX/XX/2019, I was physically XXXX per XXXX. 

I didnt have any paystubs to prove I had a job or a Nj driver license in my possession XXXX XXXX XXXX was stolen XX/XX/2019. 

Wells Fargo approved a loan with XXXX XXXX group without a paystubs, car insurance, a Nj drivers license. 

Nj Motor vehicle took the vehicle out my name XX/XX/2019. Due to a salvage title filed with them. A flood damage XXXX rental car with miles rolled back to XXXX.
Consumer complaint received 2023-11-18
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. (FL)

I am closing on a home in 5 days and i am unable to obtain a loan from the bank because of negative reported items on my credit report. Based on the 15 U.S. Code 1681 all fradulent & negative reports should be removed from my credit report immediately. There should not be any damages on my credit report that is a defamation of character & i will would for this to be fixed immediately so that i am able to close on my house in 5 days.
Consumer complaint received 2018-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC. (MA)

Ally Bank has been requested to close all accounts opened in my name without authorization. Several disputes for the unauthorized use of my information have been made and to this date the financial institution has refused to act appropriately. I continue to receive calls from representatives regarding new accounts being open and access remains for accounts that have been disputed. Unauthorized activity remains unaddressed and dispute for unauthorized/improper debit remain unresolved. 

XXXX XXXX continue to provide false statements contradicting recorded calls and obscuring resolution process.
Consumer complaint received 2023-03-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2023 I had a {$200.00} unauthorized charged on my chase checking, withdrawal by a ATM. I made a dispute with my bank that same day. They told me the charge would be crediting {$200.00} back into my checking until the investigation is completed. XX/XX/2023 they did a claim reversal atm withdraw in the amount of {$200.00}. Claiming We found that the transaction ( s ) was processed according to the information you provided or was authorized. As a result, we are removing {$200.00} from your account on or after XX/XX/2023 Which is very dishonoring and disappointing because this ATM withdraw was certainly not done by me.
Consumer complaint received 2023-11-18
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)

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  XXXX Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2018-09-03
Product: Credit reporting, credit repair services, 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 have reached out to the CRA several times about the XXXX accounts. 
I have proveided proof that the XXXX accounts were not mine and the CRA deleted all the XXXX ( XXXX XXXX XXXX XXXX ) accounts and updated my report. 
The problem is when they deleted the fraudulent account they should have also DELETED the XXXX inquirys as well. 
The XXXX inquirys are not mine and should be removed asap, cause they are associated with the fraudulent address that was removed and the fraudulent account that was just removed. 
PLEASE REMOVE THOSE INQUIRYS ASAP. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-17
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)

Dear XXXX, I am writing to dispute an authorized hard inquiry that has appeared on my credit report on XX/XX/2023 by XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. While I did provide consent for the inquiry in question, I have reason to believe that I did NOT benefit from this inquiry as I did NOT receive credit from this company. I kindly request that you investigate the circumstances surrounding this inquiry and take appropriate action to address my concerns. As a consumer, I understand my rights during commercial transactions, including credit reporting. According to the XXXX, an authorized hard inquiry should provide some form of benefit or advantage to the consumer. In this case, I believe that I did not receive any tangible benefit, service, or advantage from the party responsible for the hard inquiry, as required by the XXXX. I have reviewed my credit report thoroughly and have found no evidence of any benefit or advantage resulting from this inquiry. It is crucial to note that the XXXX requires a valid benefit or advantage in order for an authorized hard inquiry to be considered legitimate and compliant with the law. Please assist.
Consumer complaint received 2024-01-08
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. (FL)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-11-17
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. (MD)

I HAVE CONTACTED TRANS UNION ABOUT FRAUDULENT ACCOUNTS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE SUBMITTED FTC REPORTS ALONG WITH MY IDENTIFICATION, UTILITY BILL, AND SOCIAL SECURITY XXXX HAS YET TO REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CONSUMER FILE. I HAVE CALLED AND REQUESTED FOR THIS INFORMATION TO BE REMOVED. I WILL BE UPLOADING DOCUMENTATION AS PROOF.
Consumer complaint received 2023-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

I received a letter from Resurgent Capital Services alleging that I owe them a debt. I have never heard of this company or did any business with them. The letter they sent me included multiple violations of my consumer rights.

15 U.S. Code 1692 ( c ) ( a ) Communication in connection with debt collection.

15 U.S. Code 1692b ( 2 ) - Acquisition of location information.

15 U.S. Code 1692b ( 5 ) - Acquisition of location information.

15 U.S. Code 1692d - Harassment or abuse.

Resurgent claims that they purchase the debt from XXXX XXXX XXXX. ( XXXX XXXX XXXX has been paid ). A letter of assignment was requested showing that they have been assigned to collect the debt and a validation of they debt, but the information was never furnished to me. Resurgent sold the debt and place the debt on my credit report without proof of ownership and a debt being owed to Resurgent.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

Your company has taken no steps in accordance with the FCRA and FTC to properly address this matter. So now I am asking you in request for your proof of authority that your agency has to furnish this information on a credit report in accordance to FCRA Regulations. You are now in willful negligence and willful noncompliance of the FCRA and violating my federally protected rights. Please make note that I am aware that consumer reporting agencies can only furnish information on a consumer report under the following conditions and no other pursuant 15 U.S. Code 1681b ( a ) ( 1 ) ( 2 ). 
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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these items have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2023 I sent XXXX XXXX XXXX a certified letter asking the to validate an alleged debt. In this letter I asked them to provide me with the original purchase agreement along with the terms and conditions of that agreement. I also asked XXXX XXXX XXXX to provide proof that the are legally able to collect debt in the state of Alabama. They did not respond in 30 days and when they did respond the were only able to provide a copy of a bill. On the bill, no where did it state that they were the owners of the debt. I have never had a contract with XXXX XXXX XXXX. It is also a violation to send debt collection letters with the debt collectors logo.
Consumer complaint received 2023-05-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC (CA)

I paid off my loan with Goodleap LLC in the amount of {$14000.00} on XXXX XXXX 2023 however, my bank sent the wire transfer to Goodleap for {>= $1,000,000}, an overage of {$94000.00}. The excess amount was meant for another mortgage company. Its XXXX XXXX 2023 today and Goodleap LLC promised to return the overage within 14 to 30 days. Its 30 days plus and still no return of funds. 
I spoke with Goodleap on numerous occassions, they will not transfer me to the appropriate department. They told me they would wire transfer back to my bank, My bank XXXX XXXX  sent them wire instructions for return transfer. Still the funds have not been returned. 
XXXX XXXX was the last person I spoke with XXXX XXXX, she informed me there would be no wire transfer, and that now a check would be issued.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States 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 written instructions