davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
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. (NE)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have asked Transunion multiple times to stop reporting my name in a backwards format. I dont use my name in the backwards format. I asked that Transunion represent the paperwork that shows I use my name within the backwards, format, or to fully remove the name off of my XXXX XXXX report With 24 hours this has been an ongoing issue with Transunion for the last 7 to 8 months backwards names on a Credit Report opens the door for credit fraud to occur
Consumer complaint received 2023-12-23
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. (AZ)

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 XXXX, Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX, Account name : # XXXX - XXXX 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 an 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 Anv other adverse item of intormation. 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 2018-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (PA)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as ofXX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2023 I sent letters to Transunion requesting an investigation into the information reflecting on my credit file. They never responded to my request so on XX/XX/XXXX, I filed a complaint with CFPB ( complaint # XXXX ) regarding Transunion failure to obey the law by violating my consumer rights. According to USC 1681i ( a ) ( 1 ) ( a ), '' if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct an investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30-day period. '' Transunion failed to follow this law and they are continuing to disregard the law, clearly!! 

On XXXX XXXX I received correspondence from Transunion addressing 6 of the 16 items that was disputed. The letter had a date of XX/XX/2023 ( coincidentally ) but one of the items that was listed in this letter from Transunion, was not removed from my credit file until a day later on XXXX as my membership with myFICO informed me of this changed on that day. So basically, not only did this company fail to respond within the 30-day period allowed by law, but they also then tried to cover it up by only responding after my complaint to CFPB was filed! I have the proof of this and will attach it to this complaint as well as the original complaint.
Consumer complaint received 2023-12-23
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. (AZ)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).

1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/ Please ensure that all information is accurate. If not proven delete this immediately. 
2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S. Code 1681q. Obtaining information under false pretenses XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

I have previously filed complaints and attempted to resolve this with XXXX XXXX XXXX.

The account has now been sent to a MRS BPO, L.L.C. collection agency for collections.

I am including a letter for review.
Consumer complaint received 2023-05-12
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: Experian Information Solutions Inc. (MI)

I am of victim identity theft and have contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and Experian 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, SSN and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : Fraud AccountsXXXX XXXX XXXX # XXXX Bal. {$4100.00} Opened on XXXX, XXXX  XXXX XXXX # XXXX Opened on XXXX, XXXX XXXX XXXX XXXX Bal. {$1200.00} Opened on XXXX. Fraud Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me
Consumer complaint received 2024-04-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-05-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Chime Financial Inc (IL)

XX/XX/2024 Chime Credit Builder It is Credit Builder card I have to load the money to use it, I was not informed of a monthly fee and what that amount is and I am confused on why I owe money for a card I can only use if I put the money in it, yet the customer service guy said I have a balance and have to pay it or it will go to my credit report, this card is set up as a debit and I did not see anything saying that I will owe chime money for using the card that I have to load the money in order to use it, this is set up to take peoples money that the consumer is pre loading the funds into just like a pre paid debit card please help me and look into this line of business,
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following inaccurate address. 
XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PR XXXX.
Consumer complaint received 2024-04-21
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)

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 XXXX out of XXXX 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 2024-04-21
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. (TX)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2023-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO Bank, N.A. (WI)

Back in XXXX, my debit card was pre charged for a hotel stay. During the check in process, the hotel cancelled this stay due to the fact I had a cat with me. When I had made the reservations their online page stated they are pet friendly or I never would have made the reservations. Nonetheless, the hotel reserves the right to cancel.

After 2 weeks and the funds from the cancelled reservations still had not reversed, I contacted my bank, BMO Harris. It took another 5 weeks after I reported this for BMO to issue me a provisionary refund. 
As of last night ( XX/XX/23 ) BMO reversed the provisionary refund, leaving my account negative {$500.00}. 
I had filed a police report in support of my claim. I provided BMO with a copy of the cancellation email I received from the hotels cancellation. I did everything they requested in order to receive my money back. Only for them to reverse the refund.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Inquiry date XX/XX/2022, XXXX Inquiry date XX/XX/2022, XXXX XXXX Inquiry date XX/XX/2022 & XXXX Inquiry date XX/XX/2022.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (HI)

ORIGINAL COMPLAINT XXXX Company acknowledged receipt of copies of both money orders shown as cashed by Barclays. 

Comany response is completely insufficient. Not only have I not yet received a credit for the original {$1000.00} theft from my account, the company failed to acknowledge the interest acrrued on said account ( ~ {$350.00} ). The company also provided a very weak apology and did not account for what happened as well as how they will avoid this problem with others in the future. 

Barclays flat out lied to me on several occaassions regarding this theft. I expect to be compensated for the time I spend dealing with this issue, the original {$1000.00} theft and all interest accrued to my account. I also expect a detailed explanation as to why I was continuously lied to and how they will prevent this from happening in the future. If I didn't have the means and technology ( as well as locating receipts, which was no small matter ) to continue pursuit of this XXXX job in retreiving my money, they would have gotten away with literally stealing from me. 

Are you able to find others who have been harmed in this way? I would like to press charges against this company. Please advise.
Consumer complaint received 2023-07-25
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: EQUIFAX, INC. (GA)

There is information from XXXX XXXX ( inquiry ) that I am not responsible for. This is something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. states I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 b permissible purpose of consumer reports, I never gave this institution written consent to pull my credit report. 15 USC section 1681 s-2 block of information resulting from identity theft. I asked Equifax to remove this information from XXXX XXXX immediately.
Consumer complaint received 2023-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo Mortgage recurring monthly auto-payments were deleted without me or my husband 's request. We did not decide we wanted to stop these payments, nor did we contact the bank to do so. 

In accordance with Wells Fargo Terms/Conditions and Federal Law, if a consumer decides to delete that service, a 3-day written or verbal notice must be given. Since neither me nor my spouse ask for the service to be deleted, we have been asking Wells Fargo since XX/XX/2021, in writing, to provide a copy of the verbal or written 3-day requested by either of us to delete the service. To date, no copy of a written or verbal notice has been provided and their response continues to be my spouse went online he deleted that service, although no such functionality ever existed in their mortgage module ; And, they only blamed my spouse after blaming me, only to learn I was not in my account on the day they claim the auto-payment was deleted. 

A bank is required to protect the accounts of its consumers, to include monitoring any suspicious activity. To date, they have failed in providing me accurate information about unauthorized changes to my mortgage account.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

After reviewing my credit report on XX/XX/2024, I noticed personal information that was not furnished by me to the credit reporting agencies : XXXX, XXXX, and Transunion. After calling to correct the information and update it, they failed to removed non-mailable addresses and incorrect names on my credit report. They also refused to provide the names of the furnishers of the information found on my credit report. 
According to the Fair Credit Reporting Act, 15 USC 168 section XXXX a states " 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. '' XXXX, XXXX, and Transunion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared. 
15 USC 1681 section XXXX a section XXXX states that " 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. '' Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. 
15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX Transunion, and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2023-04-25
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: Experian Information Solutions Inc. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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