davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
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. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-03-13
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. (NC)

n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I applied for a credit limit increase on my XXXXXXXX XXXX XXXX  on XX/XX/24 and was turned down. Today, I received a letter from XXXX XXXX XXXX informing me that the main reason for their decision was the fact that my TransUnion XXXXredit score was reportedly XXXX as of XX/XX/24. This is almost XXXX points below my XXXX credit score which is currently XXXX ( as of XX/XX/24 ), and just a few days ago was XXXX ). 
I had contacted TransUnion several months ago when I noticed that my XXXX Score ( which I check regularly ) was about XXXX points higher than my TransUnion score, back then. So, they sent me my free annual credit report, and I honestly couldn't find any serious errors. So, I called and asked how the same credit report could result in such different scores. The woman I spoke with insisted that it was simply that the two credit reporting agencies have different ways of evaluating the same information. 

But now it is a XXXX point difference, and I really can't imagine that their different methodologies could possibly explain this discrepancy in their respective credit scores. 

Thank you.
Consumer complaint received 2024-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

On XX/XX/. I signed a contract through " XXXX XXXX  XXXX '' at " XXXX XXXX XXXX XXXX, XXXX, WI XXXX '' for a loan to fix my car. Months later, I got charged insane interest rates despite missing about one or two payments. After I paid it off in full on XXXX XXXX XXXX, I contacted XXXX XXXX when it would be reported, On the first call the agent claimed that the report would pop up in 1-3 months. 2 Months later, on XXXX, I see nothing on my credit report so I wait untiXXXX XXXX XXXX XXXX, to see if it shows up, nothing yet. I called XXXX XXXX XXXX  at XXXX XXXX, the agent claims they report at the end of each month, so the end of XXXX is what the agent claimed. I then say okay, so I check in with the TransUnion agent and the agent sees nothing about XXXX XXXX on my report or any accounts.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC (CA)

We optioned to enter a forbearance period for our mortgage after experiencing financial difficulties after having XXXX XXXX and losing hours of work and the subsequent reduction in weekly pay benefits. We only needed one month but was given approximately 6 weeks. Prior to ending the forbearance period I spoke to Loan Depot about my payback options and how the whole procedure would or would not affect my credit. I was told that I would have 45 days to pay back the missing months as well as catch up ( or make ) my payments for the coming months as well. XX/XX/XXXX was the first official date to exit forbearance and I could not access any payment options online. Tried to reach out to LoanDepot on paying but I didnt get a response. Today ( the XXXX of XXXX ) I paid back the full amount of the forbearance but was told that I would incur late fees for XXXX and that I have been reported as 60days late to the credit bureaus.
Consumer complaint received 2024-04-29
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)

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 : XXXXXXXX XXXX  XXXX Account NumberXXXX has violated my rights. Or a 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 2024-01-10
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. (GA)

XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to XXXX XXXX a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2019-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Webcollex, LLC (CA)

On or around XX/XX/2019 I received a letter from CKS Financial attempting to collect on a debit for XXXX XXXX XXXX ( DBA ) XXXX XXXX. In the orignial letter it outlined that I personally owed a debit in the amount of ( {$19000.00} ). 

Having never opened this account but having a long history of identity theft I looked into the account in question and called their office. I was instructed that they are a online lending company and all accounts would be opened and funded online. When attempting to discuss the matter, I was informed that they no longer had any information on the account in question. 

Subsequently, upon reeving this information I made contact with CKS Financial the debit collector attempting to collect on a fraudulent account. As pursuant to the FCRA I requested copies of the original application, proof of a photo id which is required according to the Fair Lending Act, and all appropriate information showing ownership. 

Upon submitting my detailed request to CKS Financial on XX/XX/2019 I received a letter indicating they conducted an investigation and the name and address was the same therefore the validation was complete. At this present time CKS Financial has refused to supply proof of ownership and to date has supplied absolutely nothing to validate the claim in question. Based on the information presented I have filed a formal complaint with your office requesting assistance due to the blatant disrespect of the FCRA and its laws governed to protect consumers. At this present time I have turned the law enforcement report validating identity theft along with all material facts to our legal counsel for immediate filling.
Consumer complaint received 2024-04-29
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)

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 XXXXXXXX XXXX Account Number:XXXX has violated my rights. Or a 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 2024-04-29
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. (ID)

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.

has violated my rights. Or a 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 2024-04-29
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. (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 : XXXX XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number:XXXX has violated my rights . Or a 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 2023-03-13
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
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. (TX)

On XXXX and XX/XX/2023. I reached out to all major credit bureaus asking to correct these inaccurate account. After multiple attempts I have yet to hear back. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( secton 6 0 4 in section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructons. Under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2024-04-29
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. (IL)

I have contacted and made previous complaints with with CRA 's about XXXX XXXX reporting incorrect info with them. I have asked for who was spoken to and physical proof with name numbers etc. This information was not given to me only that they allegedly contacted them and verified everything was correct and accurate which it is not. All information across all CRA 's are different, which is putting me at risk for identity theft which goes against FCRA 15 USC 1681. this is also defaming my character by reporting false and inaccurate information. XXXX has reported that the account is closed but is still reporting information defaming my character.An account is supposed to be charged off after 120 days and closed. A charged off account is not to be reporting any amount due if it was charged off and wrote off and filed on that company 's taxes with a 1099 C form which legally is used to cancel out a debt of XXXX XXXX or more and the copy B is to be sent to the consumer. I would like this matter resolved in the said amount of time by law according to FCRA 15 USc 1681
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC (GA)

This Person ( XXXX XXXX XXXX XXXX /Total Visa ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XX/XX/2023-XX/XX/2023 furnished to my consumer report I did not give written permission to.
Consumer complaint received 2024-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (GA)

My bank account was hacked into and i had {$2300.00} dollars worth of purchases made on my card while it was still in the mail on its way to me and my bank refused to refund my money. my bank was Well Fargo.
Consumer complaint received 2024-01-10
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. (NY)

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name # XXXX  XXXX Bankruptcy. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-06-03
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-06-17
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-18
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. (AL)

XXXX XXXX Bank is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. XXXX XXXX  did not have right on Car title because XXXX XXXX had the car title. So XXXX XXXX is report incorrect information
Consumer complaint received 2024-01-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My phone was stolen and the thieves were able to log onto my online bank account using the Capital One app and do a XXXX transfer clearing out all the funds in my account ( {$1000.00} ). 

I reported to the police and to the bank. 6 days later I was denied access to my account. Called bank they said after an internal review they were closing my account. 

All of my transactions ingoing and outgoing are connected to that account so its a nightmare to change everything. I was able to withdraw my money at a branch but they can't give me access to online statements and transactions etc and that I will need for filing taxes, and they refused to give a reason for why they are closing account just kept repeating it was 'an internal review '. 

Also They never refunded the {$1000.00} and said it is still under investigation, I provided them with police report numbers etc, the detective squad are investigating the case so hopefully the bank gives them the information of the account the thieves done the XXXX transfer to.