davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-24
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. (NJ)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/22, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If the credit bureaus do not authenticate these accounts, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-11
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: Experian Information Solutions Inc. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I can only go back to XXXX but wellsfargo was charging XXXX charges that I have no idea what it is. I looked it up and has something to do with XXXX XXXX. My account is for XXXX  and I transfer the money to my normal account. I have had overcharges which probably should not have happened if wellsfargo hadnt been charging random fees. I want to know how many other times they took money. In XXXX I went to a bank in Washington state to deposit I believe {$8000.00} it went to another customers account instead of mine. Thankfully they admitted it then and gave it back but this is after they were trying to pressure me into opening some special account. I dont watch this account as I only use to collect XXXX. I want to know many other times they charged these fees. When looking up that charge and showing it had something to do with XXXX XXXX I want to know if my account is part of wellsfargo scandal.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted all three credit bureaus before regarding my employers on my credit report. I do not give my permission ever to add any employer to my credit report. It cause harassment and telemarketing calls. Which neither should be able to access that information to begin with.
Consumer complaint received 2021-03-17
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

This lease or car loan from Santander has been totaled out from my insurance company fr auto thief and the balance showing is not correct. XXXX has paid over XXXX for the total lose of the vehicle. I've contacted Santander and XXXX and someone is stopping the payment from going thru. im unable to contact the claims department or supervisors to have my account updated and paid off. ive got emails asking to dousing the total lose claim for Santander from XXXX and every time I sign itit comes back as an error message and im not able to reach anyone in the claims department on my claim with XXXX or Santander. Can CFPB please investigate this. I just want this balance corrected and off my credit and reflecting the correct balance
Consumer complaint received 2023-08-17
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX
Consumer complaint received 2023-08-16
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: ALLY FINANCIAL INC. (MO)

On XX/XX/XXXX, I was attempting to use my Ollo Card at the vet. It kept saying it was declined. I logged onto the app right in the office, and made sure there was plenty of money to cover the total. I tried once, or twice more, it kept saying it was declined for the amount of {$1500.00}. I then used my debit card to pay the vet bill. I went onto the app again, and it said that purchase in the amount of {$1500.00} was pending. I called the company and spoke with a male who said that there might have been a glitch or something of that nature to give it a few days. It should fall off. A few days later, I log back on, and it has moved from pending to posted transaction. I then called the company back to dispute the claim they gave me information about how to send in the information that they needed. I was told it could take up to 90 days to dispute the claim. I never heard from them if they had any trouble viewing the papers or there was a problem. It is XX/XX/XXXX and I just received a letter dated XX/XX/XXXX saying that they found the charge to be valid, and I owed the money for it. I have the vet bill, my bank statement, their letter, and a picture of my account with them with the exact same charge on the exact same time on it.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

To whom it may concern I sent a letter into transunion to delete inaccurate information from my consumer profile, as well as ensuring that only true, accurate and complete information is being reported in my profile. Transunion responded to me with a letter stating they did not believe I sent the letter or an authorized third party, upon sending the letter I included a copy of my drivers license and my social security card to serve as verification as well as proof of address. Transunion after being notified of the inaccurate information on my consumer profile are not taking steps to delete and correct the information, and knowingly and willfully continuing to report inaccurate information.
Consumer complaint received 2022-02-20
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. (WI)

I took out a loan with XXXX XXXX  I defaulted on the loan because of loss of work. This was in XXXX Was my last payment They are reporting that I missed payments in XXXX further damaging my credit This is impossible since my last payment was in XXXX I have disputed this with the credit bureau 's and they keep on coming back saying that the information is correct I have also contacted the company with no Avail I would like them to Deleted off my credit For reporting miss information
Consumer complaint received 2022-12-08
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. (OH)

Currently XXXX TRANSUNION AND XXXX sites reports are all different with specific information. ON XXXX {$75000.00} in STUDENT LOANS are on the consumer report but when their actually calculated they sum up to {$67000.00} a closed account is being added to my loans on the XXXX SITE. During the pandemic all student loans have been in deferment so they should not have interest added, so what is being calculated? Then the loans do not show the same as all other loans across the board. MEANING XXXX shows a total of {$7400.00} in STUDENT LOANS and TRANSUNION shows {$72.00}, XXXX, while XXXX presents me having XXXX accounts on my credit and XXXX shows XXXX accounts open and closed TRANSUNION XXXX accounts on my record. AGAIN, my question is why are ALL XXXX CREDIT agencies REPORTING different amounts?!! The annual credit report pulled on XXXX shows that an account was charged off for ACCOUNT NUMBER XXXX at {$1100.00}, yet on the XXXX site I can not find an amount reporting but {$8.00} on the site not in the annual report. TRANSUNION reported a charge off at {$1000.00}. XXXX shows {$1000.00} was charged off. This XXXX XXXX provides the actual card number in the credit report which is a violation of my Consumer Protection Rights. XXXX IS ALSO A CHARGE OFF!! This should not be reporting. Transaction history of all accounts is also being reported all of this is a violation of my privacy. According to 15 USC 1692 ( a ) this shows excessive and abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices. Any CHARGE OFF is considered income which can not be reported on the credit report.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2020-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

There was a Federal withdrawal which Chase does not know what that is. Taxes are not due till XXXX and I filed extension. Chase closed my account because I asked what this withdrawal was. There also are outstanding charges I asked Chase to remove for a year which go unanswered.
Consumer complaint received 2022-10-24
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. (TX)

On XXXX, XXXX XXXX filed a collections notice with TRANSUNION credit reporting agency for {$490.00} on behalf of XXXX XXXX. We have disputed that this account was never a credit account. It was pay-as-you-go medical account. I had to negotiate a price and pay at the end of the session. I never asked for credit. Despite this, 6 months after my last visit I received a bill for {$490.00} with no explanation. XXXX sent several letters to a different address where we were living and after requesting documentation showing why I was responsible, I never received a response. Instead they filed a collection account with TRANSUNION. Instead, every month, TRANSUNION increases the amount due by {$4.00} per month. I have disputed this technique to intentionally damage my credit rating but Transunion has always sided with XXXX without providing documentation of this alleged credit account. I was never presented documentation that shows I signed a credit account with increasing monthly balance. As a professional in the financial services industry, the medical forms I filled out did not properly disclose the creation of a credit account with an interest rate. I need your help to have this account removed from all credit reporting agencies.
Consumer complaint received 2017-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

Equifax fails to respond to errors on my report They fail to update balances They fail to remove errors They do not update me on my requests They  drop my FICO   XXXX  points with no explanation When I request a copy the page states unable to complete your request When I call  XXXX  number they hang up This is a disgrace There is a  XXXX  point difference in equifax compared to the others I need Help
Consumer complaint received 2023-08-17
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. (AL)

n accordance with the Fair Credit Reporting ACT XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX - XXXX account # XXXX, XXXX XXXX XXXX account # 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 ( 2 ) In accordance with the written instructions of the consumer whom it relates Did I give you written instructions to furnish this in my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( 1 ) exclusion from a credit report state : ( 2 ) Exclusions. - except as provided in paragraph ( 3 ). The term consumer report " does not include - ( A ) Subject to section 1681s-3 of this title, any - ( i ) report containing information solely as a transaction, or experience.

Between the consumer and the person making the report.

Delete these above account from my consumer report, this agency is in violation of 15 USC 1681 According to U.S.C 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of failure or damages of less than {$100.00} and not more than XXXX. 

I want XXXX per violation, or the negative item immediately removed from my credit report. 

You did not get my written consent to create a credit report. 

Please send me a copy of my updated consumer report reflecting these changes. 



Violations : 15 USC 1681 ( a ) ( 4 ) rights to privacy.

15 USC 1681 ( b ) ( e ) false information.

15 USC 1681 ( b ) did not use way is fair and equitable to the consumer in reporting negative allegations without written permission 15 USC1681b ( a ) ( 2 ) need written permission.

15 USC 1692 ( f ) 15 USC 1681n
Consumer complaint received 2024-04-02
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear Sir/Madam, I am writing to dispute the validity of an item on my credit report. According to my credit report from [ Credit Bureau Name ], there is an open account listed under collection account number XXXX. The details of the account are as follows : Account Type : Open account Bureau Code : Individual account Date Opened : XX/XX/XXXX Balance : {$3900.00} High Credit : {$3900.00} Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer Date Last Active : XXXX dispute this account for the following reasons : Lack of Validation : I have not received any validation or verification of this debt from your agency. As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon request.Incorrect Reporting : The reported balance of {$3900.00} is inaccurate. I have no record of owing such an amount to your agency or any other creditor.Compliance with Reporting Guidelines : The reporting of this account does not comply with the guidelines set forth by the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) .I am requesting that you provide validation of this debt as required by law. If you are unable to provide proper validation, I request that you delete this item from my credit report as it is inaccurate and unverifiable.Please investigate this matter promptly and provide me with written documentation of the results of your investigation.
Consumer complaint received 2023-01-26
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: EQUIFAX, INC. (TX)

n accordance with the fair credit reporting act 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 instruction.
Consumer complaint received 2022-10-18
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. (TN)

assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to XXXX XXXX XXXX
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I had a regular checking account with XXXX XXXX XXXX. I was made aware that there were some overdrafts on the account due to some minor charges and bank fees being charged several times. I got a holed of my credit report in XX/XX/2019 and notice that XXXX XXXX XXXX had report the account as a charged off from revolving account, this after the account was paid full. I've had overdrafts at other banks and financial institution and was able settle them with no farther actions being takin. With no calls or any written notice to collect a debt XXXX reported this collection account as account charged with late payments to all three major credit bureaus agencies. I have written to XXXX XXXX XXXX to validate the debt as required by the Federal Trade Commission under Fair Debt Collection Practices Act. The letter was received on by XXXX on XXXX as shown on the returned U.S.P.S. receipt. XXXX XXXX XXXX as not respond to letter and continues to furnish inaccurate and misleading information on my credit report for over five year causing harm to my credit worthiness.
Consumer complaint received 2023-08-17
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have significantly impacted my credit report, as well as to request your assistance in enforcing my legal rights. The violations outlined below pertain to the Fair Credit Reporting Act ( FCRA ) and its corresponding sections. These discrepancies have had a profound effect on my financial well-being, and I implore your intervention to rectify the situation. 

Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) Creditor : XXXX  - Inquiry Date : XX/XX/XXXX Unauthorized inquiry. 
Violation : FCRA - Unauthorized inquiry Section : 15 USC 1681b ( c ) ( 1 ) ( B ) [ Include the rest of the creditor details with corresponding violations and sections as mentioned earlier. ] These violations have not only tarnished my creditworthiness but have also wrought havoc on my personal life. I share a deeply personal story to underscore the emotional toll these inaccuracies have taken on me. As a dedicated father, I found myself facing unforeseen financial challenges when I was denied a mortgage loan for our dream home due to my compromised credit report. The emotional distress, the feeling of inadequacy, and the disappointment in my inability to provide a secure living environment for my family have left an indelible mark. 

I appeal to your compassion and expertise to guide me through the process of rectifying these grave errors. I kindly request your intervention in enforcing the removal of these unverified accounts from my credit report. It is my sincere hope that through your assistance, I can regain control of my financial standing and provide a brighter future for my loved ones. 

Thank you for your understanding and anticipated assistance in this matter. I eagerly await your response. 

Sincerely, XXXX XXXX