davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX Balance : {$4800.00}
Consumer complaint received 2023-06-21
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 — Their investigation did not fix an error on your report
Company: DISCOVER BANK (FL)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2023-03-11
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. (CA)

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 Balance {$360000.00} ; XXXX XXXX XXXX  Balance {$360000.00} ; XXXX XXXX  Balance {$360000.00}.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I'm writing to challenge the bankruptcy listed on my credit report. I have a letter from the court stating that this bankruptcy should not be reported. Also, the involvement of an unauthorized third party makes this situation even more ridiculous and worrying.
Consumer complaint received 2024-01-02
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: Fidelity National Information Services, Inc. (FNIS) (AZ)

These companies are reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to, they have have not provided any records.
Consumer complaint received 2023-12-30
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. (NY)

I reached out, via certified mail to the credit bureau, on XXXX and XXXX, regarding suppression on incorrection and fraudulent information. They have no responded either times, which is in direct violation with my rights. 

The FCRA states that credit bureaus are legally obligated to suppress information identified by a consumer as resulting from identity theft upon receiving an identity theft report. This suppression must occur within XXXX days of receiving the necessary documentation from the consumer. 

Upon receiving an identity theft report, a CRA must block the reporting of any information in the consumer 's file that the consumer identifies as resulting from identity theft. XXXX v. XXXX XXXX XXXX XXXX This block must be implemented within XXXX days of the CRA receiving proof of the consumer 's identity, a copy of the identity theft report, the identification of the information resulting from the alleged identity theft, and a statement by the consumer affirming that the disputed information does not relate to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX 
If a CRA fails to block the reporting of such information, the consumer may have a cause of action under the FCRA XXXX v. XXXX XXXX. XXXX XXXX
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America did not close my account after explicitly instructing them to close it. Instead they locked my account and now I can not pay my credit card through them with my other linked checking accounts. Calling to resolve this took over an hr on the phone and multiple transfers with few clear answers. 
The bank charged monthly service fees after my account switched from a student account. Due to my busy schedule I did not have time to close the account. Because of this Bank of America would only refund one month 's fee. I asked them to close the account and leave the - {$12.00} dollar balance as is. I was told this wouldn't be an issue and would only need to pay the amount if I tried to open a new checking account. My biggest issue the bank not closing my account after being instructed to. Padding their account numbers falsely.
Consumer complaint received 2023-12-30
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)

15 U.S. Code 1681c2 - Block of information resulting from identity theft. A consumer reporting agency shall block the reporting of any information in the fi le of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports- In accordance with the written instructions of the consumer to whom it relates, I never gave bureaus written consent to report the following accounts and inquiries
Consumer complaint received 2023-12-30
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. (IN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

They illegally brought my personal without my consent violates the privacy act of 1974 and 15 USC 6802, My name is also has a copyright and I'm strict with anyone using my name for profit.
Consumer complaint received 2023-12-30
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. (LA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2023-12-30
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. (MI)

Hey there! 

I hope this message finds you well. I just wanted to reach out and discuss an issue I've been having with a list of accounts. It seems that these accounts have violated my rights to privacy and confidentiality under the Fair Credit Reporting Act ( 15 USC 1681 ). 

I've already contacted XXXX, Transunion, and XXXX on XX/XX/23 to ask them to look into these accounts. 

However, they have informed me that everything is complete and accurate. I find this hard to believe, as there are discrepancies in the open dates, dates of last activity, and other important details. According to 15 USC 1681i ( 5 ), they should be making modifications to any accounts that are not reporting correctly. 

Furthermore, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is stated that no one should provide inaccurate information on to a consumer reporting agency. With this in mind, I kindly request that these items/accounts be removed immediately. 

I appreciate your attention to this matter, and I look forward to resolving this issue with your assistance. Thank you for your time and cooperation! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Warm regards, XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I reviewed my consumer reports and noticed that I had as many as 7 late payments reported on an account that I was never late in paying. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts from student loan servicer XXXX that I am attaching and reporting as inaccurate today. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, XXXX, and XXXX of 2019, while banking with Wells Fargo, I had incurred multiple Overdraft fees. I had transferred money to the affected account prior to these charges and called the company to get them reversed. I was told " No '' multiple times by multiple people and was put on hold for over an hour. I eventually spoke with a " Supervisor '' who initially did not want to reverse any charges. After pleading my case, I was finally granted a refund but only on two transaction and only partial refund on others. I have the bank statement that reflects this. 

I have also incurred many other Insufficient Funds/Overdraft fees that were not refunded in the past before this. I would like to have refunds for all those charges as well. I can provide information for those as well later. The above statement was the most recent.
Consumer complaint received 2024-04-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am writing to file a formal complaint regarding an unauthorized check cash transaction that occurred on XX/XX/2018, involving check number # XXXX. Despite my immediate actions to prevent this fraudulent activity, I was dismayed to find that Bank of America proceeded with the transaction, causing significant financial inconvenience and distress over an extended period. 

On XX/XX/2018, I issued a check in the amount of {$5000.00} intended for payment to a contractor. However, before the scheduled payment date, the contractor unlawfully obtained and cashed the check without my consent. This unauthorized transaction not only resulted in financial loss but also exacerbated existing issue in long time, and brings with it some problems not resolved yet. 

Upon discovering the theft, I promptly contacted Bank of America to report the incident and going to account online took measures to cancel the check and transfer funds from my checking account to my savings account try protecting funds cover money of check. Despite my efforts, Bank of America failed to prevent the unauthorized transaction and allowed the stolen check to be cashed, resulting in an overdraft on my account and incurring a {$35.00} fee. Furthermore, the bank processed the check a day earlier than instructed, disregarding my explicit directions for " deposit only '' and the specified due date of XX/XX/2018, but again check # XXXX was stolen cash on XX/XX/2018. 

Additionally, I am deeply concerned by the lack of empathy and urgency displayed by Bank of America 's customer service representatives in addressing my complaint. Despite providing detailed explanations of the situation, I was repeatedly advised to pursue legal action against the contractor rather than receiving assistance from the bank. 

While I have taken steps to report the contractor 's fraudulent activities to the Department of Professional and Occupational Regulation ( DPOR ), resulting in fines totaling {$2500.00}, I emphasize that this does not absolve Bank of America of its responsibility to safeguard my account and provide appropriate support in resolving this matter.
Consumer complaint received 2024-04-07
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (DC)

Applied for a Home Equity Loan with Navy Federal Credit Union for {$120000.00} to make needed home repairs and I was told by the representative once I submitted my application that I was denied based on my XXXX XXXX. 
I told the representative that my score should be in the high XXXX almost in the XXXX and the representative said they use XXXX and I should obtain a copy of my report from XXXX and review my XXXX XXXX, because they use XXXX credit scores. 

I did not get the home equity loan. I applied to XXXX Department XXXX XXXX XXXX and I was approved for the Home Equity Loan for {$120000.00},
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NC)

On XX/XX/2024 I went online to obtain my credit reports through all XXXX credit companies everytime i identify my self it locks me out then tell me i missed my password to many times not once this year have i been able to retrieve anything from these credit companies these companies has stressed me beyond my XXXX I cant even get a human on the phone its just like the companies are tracking my number where i cant even get into my profile to look at my credit report Im XXXX yrs old I have a XXXX but I can think to get into my credit report to make sure things are ok these companies flagged me out my report 365 days to a year until I just give up. I have done been through the ringer and I am upset and fed up with these companies ' trying to control my rights. Something needs to be done because its wrong and its violating my rights as a consumer
Consumer complaint received 2023-12-30
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. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$19000.00} XXXX XXXX  Balance Owed : XXXX XXXX XXXX  Balance Owed : {$740.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2024-04-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION (TX)

Around XXXX I was with a group of friends and XXXX of the people in the group is a known scammer. This person was able to access my XXXX  account as well as multiple other people. They filed a police report as there was enough to suggest that he was the person who did it. I explained to the bank I never granted permission to access my debit card and XXXX account. I told them I never make large purchases or anything for a similar amount outside of my rent payments. Obviously it would be seen as a suspicious transaction. I also explained that XXXX virtually has no verification process and as long as someone gets your number and password they can access your account plus banking details. I got my claim denied around XXXX and I immediately appealed provided my same account of what happened plus additional details they asked for and they denied it again and they will not provide me a detailed explanation of the finding of facts. They are attempting to hold me liable for a transaction I never made and told them it was 100 % unauthorized yet they refused to help me as a customer. It id not my fault my information was accessed and money was stolen
Consumer complaint received 2023-12-30
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. (LA)

XXXX XXXX needs to be removed and deleted from my credit report due to the Statue of Limitations it has been XXXX years and XXXX months I have spoken to the company and they repeatedly re-age but never delete please delete and remove immediately from my credit report
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2022-11-30
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

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 2023-12-30
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. (CA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I was sent a trial payment notice which started on XXXX XXXX for {$2500.00}. I sent it off on time, my next trial is due on XX/XX/XXXX, which is alre in the mail. I received an urgent notice of acceleration of mortgage loan payment due in full dated XX/XX/2024 for {$1100.00}. From my Knowledge of the statement dated XX/XX/2024 from XXXX third it stated to pay the amount on the last page which is the trial payment amount because we are participating in a special pending loan modification repayment plan. I am confused as to why I received this notice and I need help I dont understand I dont want to lose my home.