davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (TX)

I am writing to express my serious concern and dissatisfaction regarding the handling of the multiple attempts to remove fraudulent items. It is essential to address this matter promptly and thoroughly to uphold the integrity and fairness of the process. 

Despite the repeated attempts made to remove fraudulent items, I am deeply disappointed with the outcome of the multiple attempts. The presence of these fraudulent items not only undermines the credibility of the process but also erodes trust and confidence in the integrity of the proceedings. 

It is imperative to implement corrective measures urgently to enhance the effectiveness of future attempts and prevent the recurrence of similar issues. 

Furthermore, I request transparent communication regarding the steps taken to address the deficiencies identified and ensure the successful removal of fraudulent items in subsequent attempts. Open and honest communication is essential in rebuilding trust and confidence among all stakeholders. With this, I am asking for your assistance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
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. (CT)

This is my 4th complaint against Transunion. They continue to add fraudulent collection accounts to my credit with dates of XX/XX/XXXX for the debt they should have removed years ago. I have one credit card XXXX XXXX everything else opened XXXX up until now is recycled fraudulent debt. I own my car never financed. The last car I financed was with XXXX XXXX and I paid the car off in full in XXXX. Why is it these credit bureaus are allowed to put unauthorized security freeze on someone's account again and again. The constant requests for documentation that they have had for years is out of control. I am hiring an attorney. Not one company has helped me. My consumer rights have been violated repeatedly and at this point I am owned money for the emotional and mental anguish I have suffered due to being a VICTIM of a data breech and identity theft. I paid {$30.00} to have my credit monitored with Transunion and I can't even see my credit report score. They took my money with no issues. This is out of control. I need help. I was told my security freeze removed which was unauthorized. I will find out today when I try to submit my reports to XXXX XXXX in XXXX XXXX My score is more than likely wrong due to Transunion reporting on fraudulent accounts. I did an affidavit for XXXX XXXX and XXXX XXXX about 4 accounts that were fraud. All 4 were suppose to be removed per their letter.
Consumer complaint received 2023-06-16
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)

It should be known that I have a account reporting only at TransUnion. Said account is from a collection agency/ Debt buyer. Named XXXX under account number XXXX with a high balance of XXXX. Said account was disputed with TransUnion and verified acaccurate/ correct. Numerous grounds were named in the dispute for deletion. It should be known that the following errors are on this report : 1. Account status shows this account as open on report. Account is a collection and been closed. This account is closed as the collection status on the report shows. Collection are not open accounts. 2. Incomplete report due to last payment date missing. 3. Incomplete report due to Date of last activity missing. 4. Incomplete report due to Account type missing. 5. Incomplete report due to Closed date missing. A copy of consumers smart credit 3 bureau report is included as evidence of errors.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (IL)

Hello, On XX/XX/2022, I visited Chase bank on XXXX, XXXX, IL for a transfer from my saving account to the checking. 

A red overdraft fee mention displaying on my screen at home prevented me from doing at home online. 

After I informed the cashier that I did not do it online in order to avoid the overdraft fee, and requested him to transfer money from my saving to the checking, he did not tell me, after I transferred {$1000.00} to my checking account, keeping only {$5.00} on my saving account should trigger non sufficient fee of {$5.00}. 

Days later, the remaining {$5.00} were taken for " Savings withdrawal limit fee '', leaving my account at {$0.00}. 

Days later, I requested one of the manager to explain and refund the {$5.00} taken, he told me that fee is written in the papers they gave me when I opened that account, more than 10 years ago. 

I tried to avoid any overdraft fees by not doing it on my own at home, but the agent who served me on XX/XX/2022, aware of my concerns, did not help and educate a customer in ways of avoiding the said fee. 

Even though it is just {$5.00}, I think that attitude from the cashier, the manager, and Chase bank itself is unfair. Until when Banks will continue to take advantage of ignorant people?
Consumer complaint received 2022-12-20
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. (GA)

THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 


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 XXXXXXXX
Consumer complaint received 2022-12-20
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)

THESE ACCOUNTS ARE NOT MIND THERE ARE FRAUD ACCOUNTS AND I CONTACT THE CREDIT COMPANYS AND THERE STILL SHOW ON MY FILE IN NEED THESE ACCOUNT REMOVED ASAP. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-30
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. (TN)

I am a victim of identity theft. On XX/XX/22, I informed the credit bureaus that an account from XXXX XXXX on my credit file does not belong to me. I have never extended credit there. The Fair Credit Reporting Act says that any time a consumer notifies the consumer reporting agency of any type of information that is a result of alleged identity theft, it must be removed from the consumer 's credit file within XXXX business days. The account is still on my credit file. Also, no account can be furnished on my credit file without my written permission. I did not give XXXX XXXX written permission to furnish an account on my credit file. My rights as a consumer are being violated. I will not allow this to continue.
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear, I had a unauthorised transaction from XXXX ( XXXX ) on XX/XX/XXXX for {$8500.00}, I called Bank of America and disputed it and I had to replaced my credit card and on XX/XX/XXXX, I had contract and expired on XX/XX/XXXX and was not renewed with XXXX and filed complaint with FCC and CFPB I received another transaction from XXXX for {$110000.00} again I reported it as fraud the last time we made payment with XXXX was on XX/XX/XXXX XXXX stating the payment caused due the merger with XXXX it was a processing error and we will take care of it, I provided Bank of America the name and contract umber of executive office of XXXX including emails but it I did file complaint against XXXX and XXXX with FCC and CFPB including small claim for new transaction ( {$1100.00} ), I only used the new credit card fee transaction why Bank of America paid XXXX again and again does Bank of America suppose to do due diligence and why keep paying unauthorised transaction since we do not have any realionship with XXXX ( XXXX ) that caused me financial injuries.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have 2 other complaints that have not been worked on... bank of america is not fixing the issue correctly... I AM HOMELESS AND IT IS WINTER TIME. IM VERY COLD.. PLEASE RETURN MY FUNDS... 

Back in XXXX of XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, was stolen.. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXX of XXXX ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. Bank of america fix this issue and return my funds.
Consumer complaint received 2021-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After recently receiving an updated copy of my credit report from Transunion credit reporting agency. Ive notice that an account has been reinserted onto my consumer profile without notification 5 business day prior to reinsertion. This is a violation of federal law Account : XXXX XXXX XXXX XXXX XXXX 

Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-28
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 am writing to express my profound disappointment regarding the inaccurate and incomplete credit information that you have reported about me. Your failure to uphold reasonable procedures to ensure the highest possible accuracy in the credit reports you distribute has caused me considerable distress. 

I insist that the following information be promptly investigated and removed from my credit profile. Furthermore, I demand that you provide evidence of this alleged item, specifically the contract, note, or any other document bearing my signature. Should you fail to provide such proof, the item must be expunged from the report without delay : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

There are numerous amounts of errors on my XXXX, XXXX, and Experian consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. 

I was also a victim of the data breach. I have sent XXXX Experian a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from XXXX, XXXX, and Experian is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.
Consumer complaint received 2021-01-03
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Credit Karma (WA)

Credit Karma is refusing to return my savings account funds because I refuse to turn off my VPN to log into their site and can not gain access to their site without doing so. I refuse to turn off my VPN just to log in. I will not turn off my security measures on my network just to access their site and they will not return my funds otherwise. Their reasoning is and I quote, " For security purposes i'm not allow to move funds from your Credit Karma Savings account to your external account, that is a personal process. ''
Consumer complaint received 2020-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

i have not received letters replaying to my concern regarding to inaccurate information been report in my credit profile i requested on XX/XX/2020 with follow ups on XX/XX/2020, and XXXX
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

The credit bureaus are reporting my credit score as a XXXX. I have paid all outstanding items on my credit report as of XX/XX/2022. Instead of my score increasing to accurately report the fully paid debts, my score was dropped from around XXXX to a XXXX. Per the credit bureaus, my score can not go below a XXXX. I did not have extensive debt reporting, repossessions, bankruptcies, liens or foreclosures. When I called the agencies requesting immediate remediation, I was advised that there was nothing that could be done, but, a supervisor would return my call and my complaint would be escalated. I have received no response to date. This score is incorrect/inaccurate and has caused personal harm and hardship. The agencys are also reporting this to parties requesting credit worthiness information causing declined credit applications, denied rental applications etc. 
This is illegal and in violation of FCRA.
Consumer complaint received 2022-12-06
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)

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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
Consumer complaint received 2023-10-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

Hello, my name is XXXX XXXX. I am of XXXX nationality and reside in XXXX. I was exposed to a scam in XXXX and filed a complaint with one of the American governmental financial institutions. They asked me to contact MoneyGram to recover the money sent to the scam in XXXX, which amounted to approximately XXXX XXXX XXXX dollars. I immediately wrote to the company and sent all the proof that I was exposed to the fraudulent process. I also sent pictures of all the financial transfers of money that I sent to the fraudulent entity via MoneyGram to the MoneyGram company. I took a reference number for the transaction, and almost a full year passed and it did not The company has yet to recover the money sent to the fraudulent party and return it to me. Please help me as much as possible in recovering my money stolen from me because this money is all I own. Many thanks and appreciation to you.copy of their message.Dear Customer, Thank you for contacting MoneyGram. We appreciate the opportunity to address any questions or concerns you may have.

To enable us to assist you, please provide us with more information regarding your request. The more information you provide to us, the faster we may be able to assist you. Information required are but not limited to reference number, sender 's name, receiver 's name, send amount and/or MoneyGram Plus number.

If you have any further questions or concerns please refer to our website www.moneygram.com, especially to FAQ section. Please clicking on SUPPORT > FAQ. If you will not be able to find solution for your problem, please contact us directly by our web form by clicking on SUPPORT > CONTACT. 

We look forward to assisting you in the future and appreciate your interest in MoneyGram. 

Sincerely, XXXX Global Support Specialist MoneyGram International. 

ref XXXX XXXX XXXX ref
Consumer complaint received 2023-06-16
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. (NY)

This is a formal complaint to inform you that the accounts listed below are reporting erroneously & are inaccurate. The furnishers are reporting these accounts inaccurately. They informed me they had an internal issue & posted me past due. Please investigate these accounts & please update the accounts to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof to XXXX XXXX XXXX & XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (NC)

Bull city financial original debt holder is XXXXXXXX XXXX  I havent been in a transported in a ambulance since XXXX when I had a XXXX XXXX this is my wifes that past away I have had a XXXX credit card since XXXX all my co pays or what the insurance dont pay goes on the card I pay it monthly on time its been removed from all cedit reports except XXXX  XXXX
Consumer complaint received 2023-06-16
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. (KY)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX