davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
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. (SC)

I was recently reviewing my credit report and found some inaccurate accounts. These accounts do not relate to any transactions that i have made. These accounts have been obtained fraudulently to obtain goods or services. I have already filed a complaint with the Federal Trade Commission to document being a victim of identity theft. I will also be filing a complaint with the CFPB. Please block and delete this fraudulent information per sections 15 U.S. CODE 1692 of the Fair Credit Reporting Act.
Consumer complaint received 2023-12-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I do not recognize this debt collection I have asked to this collection to be removed from my credit report and the XXXX and TransUnion did not do as Ive asked Please help me to solve this issue because this is not accurate I am requesting this collection to be removed from my credit report because it is inaccurate Thank you!!
Consumer complaint received 2023-12-12
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2024-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

XXXX via XXXX XXXX XXXX XXXX XXXX {$7800.00} XXXX via XXXX XXXX XXXXXXXX XXXX XXXX {$15000.00} First installment to XXXX XXXX XXXX XXXX with a XXXX XXXX. 

Payment when work commenced. 

Final installment {$7800.00} due upon completion. Contract was signed on XXXX XXXX XXXX, ( XXXX ) came to the job site at XXXXXXXX XXXX. to sign contract. 

I to date do not have a working XXXX XXXX. I have been in contact with XXXX XXXX via emails at least 15 and certified letters to the XXXX XXXX XXXX. And I get email requests to talk on the phone with a XXXX and a XXXX. I want everything in writing and will not discuss via a phone call. 

I was told by XXXX, XXXX my XXXX bill each month would be {$30.00} using the XXXX XXXX I purchased, and my bills are {$150.00} plus every month. XXXX switched my account to XXXX XXXX, on XX/XX/year>. I purchased the XXXX XXXX to ensure power in an outage, I still lose power. I suffer from XXXX from three XXXX XXXX trying to break into my home in XXXX. They threw the outside breaker, thank goodness I was home, and they were caught, leaving the scene and crashed head-on into another vehicle. I was taken to the scene of the accident by XXXX XXXX XXXX XXXX and was able to identify the one that was looking into my living room window. I saw the stolen car they were driving leaving my driveway on that horrible day. 

I pray you are able to help me. Thank you in advance for your time. 

XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

On XXXX XXXX I sent a {$35.00} cash app transfer to the cashapp name $ XXXX expecting that my money was going to place a hold for a puppy they claimed to have been selling. I was then asked for an additional {$15.00} to buy the dog food and supplies which I then knew was a scam. I requested a refund from both cash app and the seller. I was blocked from sms and cash app from the seller. when I reached out to cash app they were of no assist and did nothing to help me recover my funds. cash app is known to be the highest place of people getting scammed because if someone is scammed cash app is of no help to replace the funds to the person who was scammed.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

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 al
so 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 2023-12-12
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. (CA)

My identity was stolen and so far has been used to : rent a car and not return it, purchase a motorcycle, open a checking account and bounce checks, try and purchase another vehicle, attempt to open multiple credit cards. I've purchased XXXX, frozen my credit with XXXX, XXXX, TransUnion, and XXXX, filed 3 police reports, a XXXX complaint, an FTC complaint, a XXXX XXXX XXXX complaint, and have contacted and am working with each dealership, bank or credit union affected. I've spent countless hours on the phone and filling out paperwork. 

This complaint is in regards to TransUnion and the motorcycle purchase. The motorcycle was purchased on XX/XX/2023 from XXXX XXXX XXXX XXXXXXXX ( XXXX ) using XXXX XXXX XXXX XXXX XXXX ( XXXX ). I've spoken with the dealership and the financial service, informed them both of the fraud, and am cooperating as requested. A police report was filed with the XXXX XXXX Police Department, Case # XXXX. 

I've disputed the credit report entry with TransUnion three times. All three times they came back with the same results in about a 24 hour period each - investigation completed, account verified, payment information updated. So I ask, what kind of investigation can you complete in 24 hours? Who did the contact? Anyone? What did they do? Nothing. These are the people we depend on the help and fix our credit, and these are the results they produce. It is a joke. I've filed a BBB complaint and now this complaint.
Consumer complaint received 2023-12-12
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)

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 2024-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc. (WA)

On Thursday, XX/XX/XXXX, I contacted Renton Collections ( RCI Billing ) to pay a debt I had tried once already to dispute. This was for {$970.00}. I paid it. Confirmation # XXXX. I was told the creditor was XXXX XXXX XXXX XXXX, for services provided in XX/XX/XXXX. They are a contactor that works with XXXX XXXX in XXXX. While on this call with XXXX, she informed me that two other accounts were also in collections with their company. Both of these accounts were also through XXXX XXXX XXXX XXXX. I had attempted to dispute these debts previously, and as they dropped off my report on XXXX, I assumed this was resolved. I disputed them on the grounds that I had been granted Financial Assistance through XXXX XXXX. XXXX then advised that I obtain copies of the award letter and email it to their office. The first time I did this, she claimed they had never been received. I copied and pasted the email address I had first sent these to, and sent them again, and then called her, and she had received them. XXXX then advised that I should reach out to XXXX XXXX XXXX XXXX  to expedite the process of clearing these debts which should have been covered by the award letter. When I reached out to XXXX XXXX, they advised that they only had records from XXXX XXXX and onward. These XXXX additional debts were from XXXX. XX/XX/XXXX ( XXXX ) as well as XXXX XXXX, XXXX ( XXXX ). These account numbers I have provided here are account numbers that RCI Billing assigned to the debts, not account numbers assigned by XXXX XXXX XXXX XXXX. XXXX XXXX has no record of these debts. They referred me to previous billing companies they had used, in hopes the accounts could be found there. They were not. So essentially, I have no means to dispute these debts with these award letters. I then called RCI again and requested the information of the billing company and the account numbers. They refused at first, and I kept asking. they then gave me numbers, but after contacting XXXX XXXX, I was told those would not be account numbers that they would use. RCI also advised XXXX XXXX would not accept the assistance from the hospital. I spoke with XXXX XXXX, who was very helpful, and who tried to help locate the account, but to no avail. XXXX XXXX also informed me that typically, XXXX XXXX would accept the financial assistance from XXXX XXXX. I had assumed that any and all medical debts would be taken care of, per the XXXX XXXX at their hospital. So, when I discovered they were owed, I was very surprised to say the least, and I attempted to dispute them. And now here I am with no other way, according to RCI Billing, to settle this matter without paying these debts in full. I never received billing statements from RCI for these debts and was not aware they were even owed, and now they are in collections and i have no way to dispute them.
Consumer complaint received 2023-12-12
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)

I opted out of all authorization from XXXX XXXX XXXX XXXX. They are debt collection company which means the debt has already been charged off and paid to the original creditor. This is considered a certificate of indebtedness which is considered income and by law income can not be reported to my credit report. 

Privacy Act of 1974 " No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Consumer complaint received 2024-02-21
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. (CA)

I contacted Equifax XX/XX/XXXX regarding the reason the below credit card accounts were not being reported on my consumer credit report and the rep with Equifax advised me to contact the XXXX XXXX  because this. Thereafter, I submitted a complaint XXXX with CFPB in XX/XX/XXXX with a complaint toward XXXX XXXX  XXXX XXXX did respond to the complaint that in fact they are reporting all my credit accounts to Equifax and that I needed to reach out to Equifax to resolve this. This is still unresolved with my credit accounts are still not being reported by Equifax, inspite of all my accounts are being reported by XXXX and XXXX. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-11
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK (FL)

Accounts fees are being charged upfront ( frontloading fees in full ) example settled XXXX of my debts paid {$100.00} to creditor and collected {$3100.00} in fees before a second payment is made to the creditor
Consumer complaint received 2022-10-27
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: Experian Information Solutions Inc. (IL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 informationisinaccurate.
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

On XX/XX/2023 I tried to request a credit increase on one of my credit cards and the request was denied due to a collection account reported on my credit profile, by First Federal Credit Union with an original creditor called XXXX XXXX XXXX XXXX, I have always paid my account on time and I didnt recognize any of the companies named on my credit profile as a collection account ; I tried to locate both companies to verify what was happening, however, my attempt to contact them was not satisfactory. Additionally, I never received a letter neither phone call from any of the companies named above trying to collect the debt, it just appeared on my credit profile. 

After that, a few days later, on XX/XX/2023, one of my daughters applied for federal financial Aid at her college, and I was contacted by financial aid department of my daughter school, that there was an error since there was a second tax return filled as an amendment, I didnt recognize that, since I have never amended my taxes ; I contacted my accountant and we filed identity theft with the IRS . 

I dont think its a coincidence that both the collection account and amended return occurred at same time.
Consumer complaint received 2023-12-12
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)

My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681.

Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. 
The account is : XXXX XXXX
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I am trying to purchase a home and my report needed to be ran. All the credit bureaus except Equifax has my information updated. Due to this my Equifax report could not be pulled and my credit score may be inaccurate. I faxed and submitted my updated information through Equifax website some time ago. My information still is not updated and this was a while ago.
Consumer complaint received 2023-02-18
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. (PA)

I sent a letter off registered mail To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2024-05-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AmWest Funding Corp. (OR)

We offered a property, and the offer was accepted on XX/XX/year>. So we applied the mortgage for the purchase. We contacted our mortgage broker XXXX XXXXXXXX XXXX, XXXX XXXX. He has all our files from last transactions, and he gave us the list of documents needed. 
We filled out Loan Application ( Form XXXX ). The information including name, address, SSN, current employment, bank account, credit cards information, etc for both me and my wife. We signed and sent the application to XXXX XXXX XXXX on XX/XX/year>. 

We have provided them paystub XXXX  months, bank statement XXXX months, insurances, property tax statements, etc. XXXX weeks ago. 

Today XX/XX/year>, which is XXXX days before closing day ( XX/XX/XXXX ), all the sudden, they requested written verification from my employer, as well as written verification from banks where I have accounts. 

I asked my mortgage broker about why all the sudden of the verification requests. He told me they selected my file for XXXX XXXX. 

The answer for me is not making sense. If they want to " randomly '' select my file for XXXX XXXX, they should notify at the beginning of the process. 

To me they have intention to delay the process and postpone the closing. From the time I submitted my application where I have listed who is my employer and my spouse employer. I also listed the bank accounts on the application. The lender has XXXX weeks to get written verification on Employment or Banks. They chose to wait until XXXX days before closing to request those verifications where sometime it will take time for Employer to response. 

We went through several mortgage for purchase or refinance transactions, we never experience such a unnecessary delay.