davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

Debt collector has refused to supply the date of service for the single account totaling XXXX that they claim was sent to them by XXXX XXXX XXXX opened XX/XX/2023. XXXX has no account totalling that amount. Debt collector got mad is trying to lump several accounts together i an effort to circumvent the law and have things go back on people 's credit report. XXXX XXXX sends accounts individually and does not lump them together and it doesn't matter how any accounts i have under XXXX, they can't lump them together.
Consumer complaint received 2024-03-28
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. (PA)

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
Consumer complaint received 2023-08-09
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. (AR)

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 XXXX XXXX XXXX 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 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account without my written instructions. 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 several 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 2023-08-09
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. (GA)

Transunion keeps refusing to do a proper investigation on these accounts, I say that they are fraudulent there is not a block being done as per the fcra section 605 ( B ), They do not properly investigate these accounts, they just say that the accounts has been verified in a week despite my federal trade commission documents. cfpb look into this company for negligently handling consumer files.
Consumer complaint received 2024-04-23
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 (FL)

I've really had enough of Wells Fargo. I made several small purchases however before I made those purchases I deposited enough cash to cover those purchases and I also received XXXX money to make sure. Yet somehow as always with Wells Fargo they're saying my account is overdrawn, which Is a problem in itself because I told them months ago don't cover any purchases if it's not enough money to cover them just decline the purchase. Now back to the problem at hand the. Csr couldn't comprehend that when I deposited cash it should have been available immediately along with the XXXX  deposits I received. However the csr goes on to say that the purchases made are cleared then changed it to pending then said it wasn't enough to cover the purchases which was a lie in itself when the money had been deposited before the purchase and the XXXX  covered it. I'm sick of Wells Fargo period and as soon as I'm able I'm switching banks. I'm tired of The raggedy customer service and the raggedy bank. They should make sure their customer service has decent comprehension skills and make sure they're not screwing the customer over. If you have an option utilizing another bank do it. Wells Fargo is a crook the customer service is XXXX, they can't string a sentence together or comprehend anything said to them or they get an attitude when you ask them questions when they have to do their job.
Consumer complaint received 2023-08-08
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX | XX/XX/XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-08
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. (NE)

I want to file this formal complaint to TRANSUNION. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2023-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (FL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-04-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

on XXXX XXXX XXXX  i was scammed by asking to wire {$35000.00} from my XXXX XXXX account to a Bank of America N.A. NY account, i asked XXXX XXXX to recall the funds they did and after several attempts Bank of America did not respond XXXX XXXXave up ( Bank voucher is attached ). 

i am a victim of a XXXX XXXX XXXX where i was to invest into a crypto trading platform named XXXX for short term trades which was a bogus website i end up sending {$140000.00} in total {$35000.00} was sent in form of a wire transfer and the rest by sending in form of cryptos, thru XXXX and XXXX i was also asked by email ( XXXX ) by the same people to pay for taxes.
Consumer complaint received 2023-08-08
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. (CA)

Description of complaint : I have reach out numerous times to transunion XXXX XXXX they have failed to remove fraudulent items from my credit ( Fraudulent ADDRESSES ) 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 XXXXXXXX XXXX CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, ant attorney 'S fees. 15U.S.C. 1681o. A CRA that willfull fails to comply with the FCRA can be held liable for actual damages ( or statutor damages of un to {$10000.00}. punitive damages.costs, and attorney 15 U.S.C. 1681n The FCRA seeks to ensure the " [ a ] ccuracy and fairness of credit reporting. '' 15 U.S.C. 1681 ( a ). Toward that end, the FCRA mandates that end, the FCRA mandates that consumer reporting agencies ( " CRAs '' ) " follow reasonable procedures to assure maximum possible accuracy '' of the credit reports that they create. 15 U.S.C. 1681e ( b ). The FCRA also provides that, if a consumer disputes " the completeness or accuracy of any item of information contained in [ his ] file, '' the CRA must " conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

" 15 U.S.C. 1681 ( a ) ( A CRA that negligently fails to comply with the FCRA can be held liable for actual damages, costs, and attorney 's fees. 15 U.S.C. 1681o. A CRA that willfully fails to comply with the FCRA can be held liable for actual damages ( or statutory damages of up to {$1000.00} ), punitive damages, costs, and attorney 's fees. 15 U.S.C. 1681n. You have a right to disputed anything
Consumer complaint received 2023-08-08
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. (VA)

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

Account name : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX 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 information is inaccurate. 

These accounts are reporting inaccurate information and have no been properly investigated by your company!
Consumer complaint received 2024-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

On XX/XX/2024 I got a notification as I called to check my balance on my current bank account at US Bank. That is there's ahold and then due to not telling me why? But they decided to close my account and in my relationship. I have even though I'm using my account. As normal behavior as paying bills and sending money to rent. They don't feel like I'm A. They continue their relationship with me, which I've been banking with them for over XXXX  years. And I'm not getting the lack of transparency of why when I'm trying to recover and start a new life here in struggling XXXX By myself paying rent working XXXX XXXX and making ends meet and they decide to close my account. And now I'm going to be forced on the street because I can't pay rent through their bill pay system and their XXXX  system because they put ahold on my account in keeping my money and even. When I went to the branch. They can't do anything about it. I have to call the XXXX XXXX XXXX which they told me go back into the branch. So I'm not getting the transparency and the communication from this bank. And I'm very upset and I would like to proceed to move forward on. How can we get this resolved
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank stated to C.F.P.B.the bank noticed all credit bureaus to update or remove the account.all but XXXX  on XXXX reported to me by my credit report that the account ending # XXXX and # XXXX by comenity XXXX XXXX and XXXX XXXX is reporting as a due debt.with the old federal forgiven background on them and with two new account numbers on them XXXX XXXX XXXX XXXX with a charge off balance of $ XXXX XXXX XXXX XXXX XXXX  with a charge off balance of {$410.00} -default accounts reporting only on experian the proof of the accounts is sent by certified mail as of today, by XXXX XXXX.
Consumer complaint received 2023-08-08
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. (NY)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 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 2023-08-08
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. (VA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 information is inaccurate.
Consumer complaint received 2023-08-08
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. (VA)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused XXXX injury and defamation of character along with XXXX plus days of no response.
Consumer complaint received 2023-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bright Capital Inc (PA)

They charged me for services after misleading advertisement about services and I was not able to speak to anyone so far This has been very difficult dispute and they charged my for services I DID NOT use They should refund my money and be shut down or at least change how they market services Again THEY HAVE MISLEADING ADVERTISEMENTS AND LEAD PEOPLE LIKE ME TO BELIEVE THEY OFFER SERVICES WHICH THEY DO NOT I was charged XXXX which I would like returned
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

CC : XXXX, XXXX, XXXX Third party debt collection means charged off and is now considered a certificate of indebtness. 1099C cancelation of debt. This now means this is income and income can not be reported to my credit report. 

Please remove from my credit report. 

Acccount : Portfolio recovery XXXX
Consumer complaint received 2023-08-08
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

on XX/XX/2023, I went to Bank of America ATM in XXXX RI on XXXX XXXX. 

I took out {$300.00} but the ATM only brought out {$100.00}. 

I've contacted Bank of America several times about the issue, and nobody is helping me. 

They finally issued a claim number XXXX. 

They are literally going to take my hard-earned money I worked hard for. 

I have been with them for over 15 years, and this is so not fair.
Consumer complaint received 2023-08-08
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. (MS)

XXXX card has reported an account to the credit bureaus that does not belong to me. There was an account opened using an address that does not belong to me in a different state. XXXX card reported this address to the credit bureau as my address and I have never lived in that State or at that address and they refuse to remove the disputed information from my credit file. The account has never been paid and the credit card was maxed out within 90 days of opening it. The address used to open the account is a hotel in a shady part of XXXX Georgia.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX CARD I WAS NOT LATE ON THESE ACCOUNTS, THIS IS INNACURATE INFORMATION AND THE LATE PAYMENTS NEEDS TO BE REMOVED ASAP. REMOVE FROM EQUIFAX, XXXX, AND XXXX.