davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2022-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

CapitalOne offers a referral program, where if you provide a referral link to a friend, and they are successfully able to open up a credit card with Capital One, the referrer is awarded { {$100.00} }. In XX/XX/2022, I referred a friend, XXXX XXXX, to open up a CapitalOne XXXX card via a personal referral link generated by CapitalOne. However, I never received the stated bonus. Last month, I tried calling CapitalOne customer service about this issue to obtain more information, but they simply told me to wait and when i called back again to get the credit added the rep claimed i did not use the link. XXXX has had access to his card for quite some time and I still have not received my credit.
Consumer complaint received 2023-09-29
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. (OR)

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 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 an 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, other than the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 anxiety, 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Consumer Portfolio Services, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX No phone # available Reason : Auto Loan Duration : this inquiry is scheduled to continue on record until XX/XX/202XXXX XXXX
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

on XXXX i mailed a letter to transunion about some collections accounts that i have no knowledge of and requested a investigation. It has been a little over a month now and have yet to get any knowledge or information about my request.
Consumer complaint received 2023-08-15
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. (FL)

I pulled my credit report just to see that there was a fair amount of inquiries to my credit report. In the Attachment, it will be a list of accounts along with the date of inquiry. These inquiry accounts are fraudulent and not mine. I did not authorize or initiate any of the inquiries. I also wanted to add XXXX XXXX XXXXXX/XX/2023 which is an auto finance inquiry.
Consumer complaint received 2023-05-15
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: Experian Information Solutions Inc. (CA)

.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-08
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. (FL)

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$30000.00}.
Consumer complaint received 2023-08-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i sent Transunion a letter XX/XX/21 to speak to them about some personal information that needed to be corrected and removed. I have yet to receive a response from the agency and I feel as if they are ignoring my request.
Consumer complaint received 2023-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (TX)

On XX/XX/XXXX XXXX XXXX key bank decided to closed my account with XXXX XXXX of XXXX they say they will issued a check, they did issued a. Official check on XX/XX/2022 and I made a deposit into my XXXX account, XXXX  took 7 bussiness days to clear that check. On XX/XX/2022 XXXX sent me a letter that they decided to close my account because they detected fraudulent activity they were not able To verify the official check key bank sent to me, that check was issued through XXXX XXXX pay to the order of key bank. Unfortunately key bank has not being able to solve my issue I do not have a response from them I do not have money since theyve took it and i need it please assist me on this.
Consumer complaint received 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (TX)

I've sent 3 letters, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, requesting proof of application, bearing my signature, since I have been a victim of several data breaches. Each company has yet to provide the requested documentation required by law.
Consumer complaint received 2022-12-07
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. (NV)

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS XXXX. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

XXXX. UPDATE AND SUPPRESS NEGATIVE INFORMATION XXXX. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. TRANSUNION AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses 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 2020-08-25
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. (NC)

Experian credit bureau is reporting a late payment on my account which they say is because of a XXXX account. However, Ive spoke to XXXX. They are not reporting a late payment. This XXXX account was including in my chapter XXXX bankruptcy in XXXX. Under Bankruptcy laws and the Fair Credit Reporting Act, after bankruptcy, they cant report a currency late payment. Experian says its not a late payment, its just reporting that way. That makes no sense. No other account under my bankruptcy report this way because they cant. I filed a dispute on XX/XX/XXXX to fix the problem. However, they didnt change anything. Bankruptcy allows a person to start rebuilding their credit. If accounts were allowed to do this then nobody would be able to rebuild their credit. All they can report is that it has a XXXX balance and the account was included in bankruptcy. XXXX says thats all their reporting. And thats all my credit report says their reporting. However, in my credit summary and credit report, it says 1 late payment. The agent at experian told me its because of XXXX but thats not the case. This late payment just popped up on my account at the beginning of this month. However I filed bankruptcy on this account back in XXXX. My account credit score has went down 39 points because of this. In XX/XX/XXXX I disputed the account because they were still reporting a balance. XXXX fixes that and my score went up like it should be. Then several days later my account had a late payment on it. Which decreased my score 39 points. My attorney is going to file suit against both companies for breaking the fair credit reporting act if this is not taken care of. His name is XXXX XXXX of XXXX TN. This has already caused me issues trying to get financing. I havent had one late payment on anything since my bankruptcy. The law doesnt allow them to report like this after bankruptcy. Please help me get this strait so we dont have to go through a long drawn out process in court. But rest assured we will go to court if we have to and I will be suing for damages this has caused me such as the interest rate I have to pay on a car I just purchased due to my score being wrong and this a XXXX account not reflecting correctly on my Experian credit report. As you can see in the attachments it says I missed a payment 2 months ago. I filed bankruptcy on the XXXX account in XXXX. Even if I missed a payment before the bankruptcy they cant report that now. Especially not 2 months ago. But if you look at the XXXX account on my report it says no payment history like it should. So XXXX is reporting it correctly. Experian just isnt reflecting it correctly. And they dont have anyone there that I can speak to that can understand this. With them being who they are you would think they would realize the problem.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-12-07
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. (CA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-08-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Violation to My Rights 15 USC 1681 ( a ) ( 4 ) Violation to the Rights to Privacy. 

To Whom it May Concern : I recently reviewed my credit report and notice that you are in Violation to My Rights 15 USC 1681 ( a ) ( 4 ) Violation to the rights to my privacy. No Written Permission to Furnish Information on my consumer report. This has caused me XXXX XXXX and complete embarrassment. Therefore, I demand this account be REMOVED from my credit report. 

1. You are in VIOLATION of the 15 U.S. Code 1692k- Civil liability. 
XXXX XXXX Bankruptcy Case Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character. 

Sincerely yours XXXX XXXX
Consumer complaint received 2023-08-21
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: JPMORGAN CHASE & CO. (PA)

I was working for a company named XXXX XXXX XXXX in XXXX XXXX and the company opened a business credit account from Chase with my name on the card. The company card was used to buy material for jobs, and the bill was never paid by the owners. I never guaranteed the credit card. They stated I was liable because I signed checks for the company. I asked for them to provide evidence that I somehow guaranteed the card and they failed to provide this. 

Given the timetable, I decided not to pursue this legally, because the account and last activity is over 7.5-year-old, yet they keep reporting this to XXXX and other credit reporting companies. Chase ended up charging this off, and that has shown up on my personal credit. 

The account needs to be removed from the credit reporting. They have failed to ever properly address the issue.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (PA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my XXXX XXXX. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2022-12-07
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 on my Transunion.
Consumer complaint received 2023-08-21
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. (PA)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2018-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We've been trying to modify our loan with Wells Fargo. They have put up many obstacles to avoid the modification and have refused to use our proper income. Well Fargo recently sent a legal letter threatening foreclosure. This goes against the Foreclosure regulation that guards against dual tracking. This is a state and federal offense. 
Wells Fargo has refused to extend the term of the loan saying the investor would not allow it. 

Recently we found out that this was originally a XXXX loan that Wells Fargo acquired. The original loan was subject to a California class action lawsuit requiring modification. Many in the class have been modified. It is incumbent upon Wells Fargo that they modify the loan including extending the term of the loan. 

We have made many demainds to Wells Fargo to produce documents which they have failed to do. We have asked for the loan and securitization documents without getting any results. 

I am a XXXX XXXX XXXX veteran and my wife and I are asking for help with this predatory loan
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affected me from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CT)

I deposited my paycheck from work on XX/XX/2023 with USAA. I noticed there's a hold on my funds. When I called customer service, they said the hold is there until XX/XX/2023. 9 days for me to get access to MY money is unacceptable. When I deposited with chase, I'd have everything by the next day. USAA is suppose to be for Military and Veterans but this doesn't help when we can't have access to our money.