davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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. (LA)

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The Credit bureaus stated the account was thoroughly investigated but how is that possible if these two accounts XXXXXXXX XXXX  and XXXX XXXX were deleted from my XXXX consumer report after a thorough investigation as you can see in the attached document of my XXXX XXXX account.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My personal statement reflects my unwavering commitment to ensure accurate and fair representation of my financial history. Under the fair credit reporting act, I advocate for the removal of inaccurate or outdated charge offs listed in this form from my credit report. I believe in the upholding my rights to accurate credit reporting fostering financial transparency and demonstrating responsible financial management. The accounts listed in this report should not be reflected on my consumer report as they violate my rights as a federally protected consumer according to 15 US code section 1681-E 1681-I and 1681S-2. I've request a thorough investigation into these discrepancies and prompt removal to uphold the integrity of my credit report and my consumer credit history
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account ( s ) Name ( s ) and Number ( s ) : Account name : Account name : XXXX XXXX XXXX Account number : 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.
Consumer complaint received 2024-04-11
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 2023-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Grant & Weber (IL)

Back in XXXX XXXX I had submitted a complaint with you guys regarding a medical bill with XXXX which they sent it to XXXX and XXXX , which I sent XXXX and XXXX numerous emails regarding this debt. XXXX and XXXX, I believe dropped the debt and I never heard from anyone, including XXXX and XXXX regarding the debt. I did email them with the email they provided in my former complaint. Now, 4 months later, I was sent the same debt but from a different debt agency. I assumed the debt was dropped. I was told that the same debt can't not be sold twice from 2 different agencies. this is a HIPPA violation because I never signed a form stating they can release this information. Although, I haven't contacted XXXX in a while, no one attempted to contact e regarding this debt within the 4 months after I sent a complaint with you guys.
Consumer complaint received 2024-04-11
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)

Credit inquiries that I did not authorize: XXXX XXXX   XXXX/2023
XXXX XXXX XXXX XXXX/2023
XXXX XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX  - XXXX/2023
XXXX XXXX -  XXXX/2023
XXXX XXXX XXXX XXXX/2023
XXXX   - XXXX/2023
XXXX XXXX XXXX  - XXXX/2023
XXXX XXXX XXXX. - XXXX2023
XXXX XXXX XXXX - XXXX/2023 XXXX XXXX XXXX - XXXX/2023 XXXX XXXX XXXX - XXXX/2023
XXXX XXXX XXXX XXXX XXXX XXXX/2023
XXXX XXXX XXXX - XXXX/2023
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My XXXX XXXX XXXX  Credit card is reported as CLOSED on XX/XX/XXXX to TransUnion however it was XXXX days late reporting closure on XX/XX/XXXX instead of the prompt mandatory XXXX XXXX  and FCRA required automatic reporting on XXXX As oXXXX XXXX this Closed account still has not been reported as Closed to XXXX and the last reporting was XX/XX/XXXX in willful violation of XXXX XXXX and FCRA protocols. XXXX XXXX  was required to report XXXX to XXXX on XXXX so it is now XXXX  days late. Closure was required to be reported simultaneously to every CRA on XX/XX/XXXX instead of piecemeal only after receiving a XXXX XXXX compliance complaint. Due to XXXX XXXX obvious compliance deficiencies my XXXX XXXX XXXX account must be deleted from all my credit reports permanently plus statutory damages of {$1000.00} for each and every FCRA willful violation of the FCRA against every violator.
Consumer complaint received 2023-05-15
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: Home Loan Center, Inc. (IL)

I got a letter from XXXXLending dated XX/XX/2023 that they conducted a soft pull and denied vehicle financing based on loan originator XXXX I do not remember going to XXXX and providing them my social security number or even last four of my social for this exercise. 

I called XXXXLending and they asked me to contact XXXX. I was on phone with both companies and they are not able to verify or confirm who, why the soft credit pull was done. 

Please investigate it as a business malpractice.
Consumer complaint received 2017-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (MA)

Since XX/XX/XXXX when we requested that we pay our own property taxes and end the escrow account, we have been trying to get a return of the money collected in that account. Since no check had arrived as promised ( within 10 business days plus mail time ), we called the mortgage company to find out where our money was on XX/XX/XXXX.. The representative said that the request had never been processed as ordered, escrow funds were continuing to be removed from our bank account. but that it would be resubmitted and she would try to expedite the check sending process. There was no check received, so we called again on XX/XX/XXXX and were told it would need to be initiated again with another two week plus wait time. On the XXXX we called to check on the progress and learned that the process was done incorrectly and it would take another two plus weeks to get a check out. At this point, I was transferred to a " supervisor '' who would not give her last name. and asked her to credit the $ XXXX to our XXXX mortgage payment, feeling that this would be the only way to see our money again. She stated she would email the representative about this request, but we have learned on XX/XX/XXXX that this was not done and the process was again starting over to release a check.
Consumer complaint received 2023-07-06
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)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-04-11
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. (CA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MO)

Venmo frozen my account on XX/XX/XXXX, I called them and they told me they would respond after 24 hours. I did not receive a response until XX/XX/XXXX. At which point they told me the were closing my account and holding my funds for 180 days. I did nothing wrong and they are stealing my money. I desperately need that money to pay my bills. I am a single mom who now fees eviction due to this. 

At this point I will be submitting all of this to the news and blowing this up to a massive story if they do not allow me to at least withdrawl my funds immediately.
Consumer complaint received 2023-02-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (AZ)

I have an account with Wells Fargo and have never had any issues, however, I was the victim of fraud recently. The company, when contacted, is refusing to help and purposely providing me with misinformation. On XX/XX/XXXX I finished using the gym for a few hours and picked up my bag with my phone in it- I noticed notifications from XXXX about recent account activity. I checked the activity and it showed a cancelled transaction from a XXXX XXXX for {$370.00}, and Completed transactions for the same amount from a XXXX XXXX ( {$370.00} ) and and additional {$100.00} for a total of {$470.00} money stolen. I do not know these people and have never heard these names in my life, and the money that was taken caused me great distress. I went on social media and noticed other people in the area reported that this individual ( XXXX XXXX ) has been hacking peoples accounts and to be on the lookout. Seeing this, I contacted my bank shortly after and they agreed to open a case. They said there is no need to file a police report and instructed they will call me within several business days. The next week ( XX/XX/XXXX ) I called back since I never received any updates as was promised. I spoke to a reporesentative and he stated the investigation was complete- they denied my claim due to them determining it was an authorized transaction which is not correct, I asked to appeal this under Regulation E as was advised by my employers legal advisors and they stated the following : Sorry, XXXX XXXX are not protected under Regulation E. I asked This was unauthorized. Are you saying fraudulent XXXX transactions are not protected even when unauthorized? And the representative stated, That is correct, sir. He said the only way to have this reopened is to write a formal letter and send it via post or fax it, but even then he does not believe this will be looked at. This attitude and the way this was handled is an infringement of our rights as consumers and makes us feel we have no protections when it comes to banks, they simply do not want to help. I am deeply frustrated and disappointed and would like your assistance with a resolution to this. They make this very difficult for an everyday person to manage and outright dissuade and misinform rather than escalating or looking into a case of fraud further. Please help.
Consumer complaint received 2024-04-11
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. (PA)

I have a discharge of my student loans attached to the complaint showing the student loans have been discharged over 3 months ago and still XXXX, Transunion, and XXXX never removed the student loans from my reports.
Consumer complaint received 2024-04-11
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. (NY)

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must update to correct as paid on time. 


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 those accounts tag as billing error are inaccurate late payment history should be updated to paid on time as it is in multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 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. 



any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And charge off accounts that is tag or labeled FDCPA Section 807 Violation Misleading False Reporting should be deleted and collection account Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately. 


a copy of which is enclosed which states that this information must be removed within four business days of receipt, Including 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. should be deleted in the credit report I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have noticed that XXXX have placed an inquiry on my Transunion credit file dated XX/XX/2018. 

I spoke XXXX a Transunion customer service rep on XX/XX/2018 and was told he cant an unauthorized hard inquiry. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Transunion report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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 2023-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

A Debt Collection named in the complaint ( Hayt Hayt & Landau, LLC ) keeps attempting a debt that was already satisfied with the actual original creditor Named XXXX XXXX XXXX XXXX as fraudulently opened and closed which no further collection attempting such have continued under the law. I have written the collection numerous times that they need to stop attempting to collect on the debt that was Satisfied with the Original Creditor with documentation to support my claim.
Consumer complaint received 2023-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters to Equifax regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Consumer complaint received 2018-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I Sent a certified letter to Transunion asking them to remove the inaccurate inquires showing on my credit report due to the fact it is hurting my credit score now that I'm in the home buying process and that I never authorize the company the following company 's pull my credit : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; But however i never received any update on my inquiry removal status or reasons they could not be remove. On XX/XX/XXXX I contact Transunion via Telephone hoping to  reach someone to help me with my current situation and also due to the fact inquires that fell off was placed back onto my report, but however again the customer service representatives where very rude and would not help take care of the negative inquiries reporting on my credit report. I have listed all inquires that is showing on my Credit Report
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (WA)

Chase Bank is reporting the first delinquency date on my old credit card as XX/XX/XXXX. 

The actual first date of delinquency is XX/XX/XXXX. 

They keep changing the delinquency date, keeping this old account active on all three credit reporting agencies. 

I feel that Chase Bank is doing this to millions of Americans, and at the same time sending them letters demanding payment, well past the legal limit of the law.
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-04-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I got scammed by someone on XXXX about property rent which is not his property. So, I send him money over to Zelle and XXXX around XX/XX/XXXX and XXXX XXXX. After knew I got scammed that property belong to someone else. I did call my bank to stop payment on Zelle and also file a claim with XXXX and report to local police. I did give them the police report number but they won't send the back money to me.