davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (SC)

Spoke to a special handling team about these accounts because they are fraud. Transunion have received documents from the creditors and refuse to delete these accounts. I have called numerous times about these accounts this is my second complaint because Transunion have the documents from the creditors with results of their investigation that i mailed and signature and i sent documents from the last COMPLANT.
Consumer complaint received 2023-12-13
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. (VA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-13
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-08
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 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 2023-04-17
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)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

Made a one time mortgage payment toward the principal of {$5000.00} on XX/XX/XXXX to Wells Fargo Mortgage company. I made sure to tell the agent to apply the amount to the principal payment 3x prior to ending the call. Checked back couple days later, amount was not applied to the principal instead it was applied as a regular payment with interests taken out. I called back and had the transaction reversed on XX/XX/XXXX. Again, made another principal payment of {$20000.00} on XX/XX/XXXX. This time I also made sure to tell the agent the issue last time and wanted to make sure that this will not happen again like the last time. Today, XXXX, I checked the account and again, that {$20000.00} was applied to the monthly payments instead of toward the principal amount. I begin to think now that all these transactions are intentional. Again, I will call on Monday to have it reversed.
Consumer complaint received 2023-12-13
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-07-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Common Wealth Mortgage Services (TX)

To whom it may concern, my mortgage is due on the XXXX of each month but I have a grace period of to the XXXX of the month. Intercap Lending Inc has me late on my credit report which is affecting me from being able to refinance with the company I wish to. In XXXX 2016 I had a hardship and my church paid my mortgage and the check cleared on XXXX XXXX. I have also never been 30 days past due for them to place this on my credit report. I believe this is in retaliation because I advise them to take my ex-husband off my deed and when doing so they stated I would have to refinance. Although I told them my divorce decree shows that I have been rewarded my home they stated that I would have to refinance. I am asking that they remove all negative late marks on my credit report immediately so I can refinance with another company. If they are stating that I have been past due over 30 days they should also be able to supply proof in which they received payment from me and my payments cleared.
Consumer complaint received 2023-12-13
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$7600.00}
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I 've filed multiple disputes stating I was not at the bankruptcy office when this was filed in my name. Equifax has ignored this request multiple times. XXXX XXXX and XXXX have both verified that the items were indeed fraud and removed them from my credit file. Equifax continues to state they are mine based on " verified '' information. Which is information that has been stolen therefore ; Equifax is only matching my information to another database. As of last week, Equifax has now changed the dates for the date the bankruptcy was filed ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and the date that it was discharged ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. ) THIS IS ILLEGAL!!!! Equifax is purposely changing the dates because as I stated in my Civil Suit against them, I can prove that I was at the airport at the time that it was filed. THIS BANKRUPTCY NEEDS TO BE DELETED TODAY! My attorney has been made aware of this new fraudulent practice by Equifax and we will act accordingly. I know my rights under the FCRA and I will be pursuing them against Equifax to the fullest extent of the law. 

I have attached the information that they are changing. 

DELETE THESE ITEMS FROM MY CREDIT REPORT. THEY ARE NOT MINE. I DID NOT OPEN THEM NOR DID I AUTHORIZE ANYONE ELSE TO DO SO.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (MN)

Chase informed me yesterday that I had to pay a debt that they say I had in the amount of {$2000.00} in order to have credit. This is discrimination. Please read everything here. Chase placed a 30 day late payment on my account ending in XXXX and I am requesting full documentation on this incident since the opening of the account and the removal of this from my credit reports. This was a new Slate card just opened and I never received any kind of statement of notification on this new account. I was also charged a late fee at the time and contacted Chase. They realized their mistake and removed the late fee but refuse to remove the XXXX late on my reports. I have been in the banking industry for years as Credit Manager, Supervisor, Underwriter and this is just wrong by Chase. I also need this info to present to my attorney for action toward Chase. I responded to Chase 's email yesterday and contacted them by phone about this 30 day late again and they refused to do anything. I have been trying to resolve this for quite some time with no luck. I closed all my accounts with them because of this incident over XXXX in credit. Yesterday by phone they informed me of a specific debt collection on a Chase account that I have no idea what it is and they informed me is was a converted account through Chase but they had no idea what it was. Chase must really have issues, here is my question. If I had a collection for an account through Chase some 15 years ago that was never collected on, why would I then be approved and have XXXX cards through Chase with limits over XXXX after the fact? I asked them that question yesterday to only get no response on the subject. One of the many representatives did comment however that it makes no sense and she had to refer me to another person. Also payments were always made on time on all my XXXX cards through Chase. What is going on over there. Please send me info on this other account you say I had and remove the 30 day off my account ending in XXXX. This is a great example of bank corruption and how it negatively has an effect on the consumer who gets the blame. This is discrimination and defamation of character to the consumer. How can Chase issue XXXX credit cards that I have had for years and then give me the reason for denial of credit because of an account I have no idea about that was in collection so they say but have no idea. I have worked for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. Chase has issues and very very poor customer service. Why if I was so wrong would I close all my accounts through them? I can not believe they can get by with things like this.
Consumer complaint received 2023-12-14
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. (IL)

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.

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 2024-04-27
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. (PR)

For the last time I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liabilityIn multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

clearly in Violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) must update to correct as paid on time. 

14. This account payment history is and error and in violation under 15 U.S. Code 1666 ( b ) billing error XXXX XXXX XXXX XXXX XXXX XXXX  Update to Paid on time on payment history and never been late Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Consumer complaint received 2023-12-13
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. (OH)

XXXX XXXX XXXX XXXX # XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXX XXXX XXXX # XXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA XXXX. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently did an investigation into my credit report and found several items on there to be inaccurate. 

15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. According to the aforementioned code, consumer reporting agencies are obligated to follow reasonable procedures to ensure the maximum possible accuracy of the information pertaining to individuals in their reports. It is evident that this obligation has not been fulfilled in my caes. Furthermore, under 15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information, it states that if, after any reinvestigation, disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must prompty delete or modify that information based on the reinvestigation results. 

XXXX XXXX XXXX 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 2024-04-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have consistently make on-time payments. I am confident about this. What I am unsure about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2023-12-13
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. (KY)

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

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 ( AN ( 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 2024-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/year>, I deposited a check for {$7500.00} into my checking account from my mother. I was told part of the check would be held until XX/XX/year> and the rest would be available on XX/XX/year>. On XX/XX/year>, after the fraud department closed at XXXX XXXX, I received an email stating my checking and saving accounts would be closed because I presented a check that couldn't be verified. Then, I was told the check would be available on XX/XX/year>. Either the check could be verified or it couldn't be verified. Wells Fargo is participating in illegal activity, yet again, by claiming they couldn't verify information to justify holding funds for longer than 5 business days plus attempting to capture my funds.

They need to closed and banned from doing any business at all.
Consumer complaint received 2023-12-15
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. (MD)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-12-15
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: EQUIFAX, INC. (IL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.