davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-19
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)

15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the
Consumer complaint received 2023-11-20
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. (MI)

I submitted a dispute request, to have information on my report updated, due to my divorce, I sent them my divorce decree, that CLEARLY states, that I am no longer responsible for the mortgage and Payments @ XXXX XXXX XXXX XXXX, Mi XXXX. I have contacted the mortgage company with the same documents and information, I have also attempted to get the mortgage company to transfer the mortgage over into my ex-wife name or assumption of Loan. this debt should be removed from my credit report, since the home has been taken from me and I am no longer living in the home.
Consumer complaint received 2024-01-02
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TN)

american express gift card {$100.00} declined everywhere I tried to use it. 
XX/XX/XXXX declined @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - called cust service in XXXX and was told that I first have to activate it which he said he did. 
XX/XX/XXXX card declined @ XXXX XXXX XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted several disputes for a bankruptcy that's reporting on my credit report i contacted the courts and submitted the letter that was provided to me by the courts the company keep saying the bankruptcy is verified i asked for documentation showing this and was not provided with any, two other credit bureaus deleted the bankruptcy with no problem once i sent them the letter i received from the courts saying that the court did not have this information on file. I have spoke to supervisors that claim it would be deleted in 15 days but this has not happened.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

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 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023 I settled with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Paid the settlement amount of {$950.00} which brought the account balance to {$0.00}. However, on my credit report it is reporting in a collections status. The agreement with the creditor was that if I agreed to settle for the said amount above once paid it will report on my credit report as a Closed/Paid account with a {$0.00} balance reported. Due to the inaccurate reporting on my credit report is causing me to get denied a place to live. This reporting is telling the companies that run my credit report that I still owe the XXXX that I paid the debt off with. The Credit Bureau is in violation of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Can you please look into this matter.
Consumer complaint received 2022-10-25
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date opened XX/XX/2020 Balance : {$2100.00}
Consumer complaint received 2023-11-20
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Regarding the complaint I have submitted on XX/XX/2018 and the info is below. 
I have received call from Bank of America and They promised me again contact me on XX/XX/2018 but they didn't and they didn't fix the issue. 
please help me to fix the issue with them. 

This is the ifo of the ticket i submitted : XXXX XXXX XXXX XXXX Checking account Opening an account BANK OF AMERICA VISA XX/XX/2018 Open Company response is in progress as of XX/XX/2018
Consumer complaint received 2024-01-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Please take a look at the attached letters and ID docs for verification that it is 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 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-11-20
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)

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 attached documents and letter for referenced issues from above.
Consumer complaint received 2023-11-20
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)

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 accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-20
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. (VA)

Despite multiple requests, the unverified item with XXXX XXXX, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted XXXX XXXX via mail and have returned undelivered mail with inaccurate address on file, and via phone XXXX XXXX has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you
Consumer complaint received 2023-05-11
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: CBC Companies, Inc. (CA)

XXXX  XXXX bankruptcy on my credit report needs to be removed they do not report information to any credit bureaus and I have attached a letter from the courts stating they do not report to credit agencies. The bankruptcy was also inaccurately verified the courts name is UNITED STATES BANKRUPTCY COURT XXXX XXXX OF CALIFORNIA the courts they have on my credit report is not the name of the courts. I have attached proof In accordance with the Fair Credit Reporting act XXXX Account 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 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

Fifth Third Bank is falsely reporting a 60 day delinquency to the Credit Bureaus. In XX/XX/XXXX I obtained an auto loan for the purchase of a XXXX XXXX XXXX. In XX/XX/XXXX the vehicle was rendered a total loss due to an auto accident through no fault of my own. XXXX XXXX paid 53 Bank over XXXX as the payoff in XX/XX/XXXX, and there was a remaining balance owed of approximately {$2000.00}. I spoke to someone in your Total Loss Department of 53 Bank  about the remaining balance, and she advised me to request the refund of the vehicle warranty which would pay off the remaining balance. I promptly made that request to the car dealership, and subsequently, they sent 53 Bank the full warranty refund which exceeded the XXXX remaining balance because I receltly was sent a check from 53 bank for {$600.00} for the excess. How can the payment be 60 days delinquent when XXXX XXXX promptly paid you XXXX on my behalf in XX/XX/XXXX? An XXXX payment puts me years ahead in payments does it not? It appears that once 53 Bank received the remaining balance from the warranty, they reported this account 60 days delinquent to the credit bureaus. This false report has caused my credit score to drop XXXX  points,. Consequently, I am not able to secure financing for a replacement vehicle. 

Therefore, I am asking that this inaccurate report be removed from my account immediately.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (DE)

I opened a Wells Fargo ( WF ) Small Business Platinum Visa Card back in XXXX. As per it's terms and conditions as shared in the attached I neither received promotional one time credit nor promotional 0 % interest rate for 9 months. 

Upon calling WF team refuse to admit it. I called them day before yesterday ( XX/XX/2023 ) around XXXX pm and they hung up on me then yestedday ( XX/XX/2023 ) and around same time and samething happened after listenign to me and by knowing that the have made a blunder about it their XXXX XXXX hung up on me even after this time I specifically told her to do not do it. I've tried and now tired of calling them hence reching out to CFPB.
Consumer complaint received 2018-10-21
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. (VA)

" " '' I have disputed this collection XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2019-06-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NC)

We received your complaint. Thank you. 

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 



YOUR COMPLAINT I contacted Midland Funding on after reading on there website they said. We suspend collection activities when a consumer demonstrates that he or she is experiencing significant financial hardship due to medical issues. I advised the Rep name that I suffered from two XXXX   XXXX. She asked what they were I told her my illness are XXXX and XXXX. I had to explain to her what they were, she had no understanding of the illness. She began to XXXX and read to me what the definition said. I told her that I wasn't able to work and I wasn't receiving any money from any sources. Then after I realized that she had no idea or understanding I asked to be transferred to a US Rep and she finally did and she was of no help. The more I had to repeat my self over and over my XXXX  begin to flare up. I advised both of them that my health issue were not going to get any better. I also asked for Validation of this debt and never received anything. I have also asked for an Assignment of Debt and haven't received that.
Consumer complaint received 2019-06-04
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: EQUIFAX, INC. (TX)

Equifax did not update my address. My address is XXXX XXXX XXXX XXXX, TX XXXX please update this. On second note equifax has not corrected the identity theft on my report. There is XXXX XXXX bank line of credits that are fraudulent XXXX limit {$XXXX} and XXXX limit {$XXXX} and additionally a fraudulent XXXX line of credit with a {$XXXX} limit I have not opened any accounts at XXXX, nor XXXX a thief has opened these as a result of identity theft. Lastly there is two inquiries I did not authorize XX/XX/2019 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas please block these fraudulent inquiries and accounts opened by a thief.
Consumer complaint received 2023-11-18
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. (NY)

XXXX XXXX XXXX ( Account XXXX ) continues to report the account, despite the fact that New York state law ( New York State 5 Year Purge Rule For Paid Collections/Charge Offs GBL 380-j ) prohibits this after 5 years from the date of the first delinquency, if the account is paid. Credit Bureaus also refuse to remove that account.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (GA)

I am writing about the unauthorized transactions made on XX/XX/XXXX. Previously, I filed a fraud claim as I did not make those charges. However, the investigation was unsuccessful, and the amount was reinstated on my account. I talked with a fraud specialist extensively and they advised to write a letter detailing my experience and what actually happened as they believe that I was mistakenly believed to have made those charges. 
On the morning of XX/XX/XXXX, I received 14 charges on my account totaling {$2300.00}. I was sleeping during that time and by the time I woke up, I only got XXXX fraud notification message asking me if I made a transaction of {$1000.00}, which I declined and replied no to, while failing to alert me of the previous 14. I received a letter notifying me that I was not responsible for 4 of those charges on XXXX 

So that means I should not be responsible for the other 10 either since they were made together. I also do not believe that I have received the chargeback for those 4 charges. I hope this can be looked into again. 
Thank you so much.
Consumer complaint received 2024-01-09
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'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-20
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any accounts not later than 4 business days after the receipt. Also, the information provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX  XXXX