davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
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. (PA)

hello my name is XXXX XXXX I recently went to purchase a car thinking I had a blank credit report because I have never used my ssn to obtain anything other than my house in my name. they informed me in the dealership that my credit score was mid XXXX. a shocker to me. I created a XXXX XXXX account to check my credit and there were several fraudulent accounts reporting on my report. I notified my local police department and filed a complaint with the ftc. I would like the following accounts listed removed from my credit report as they as fraudulent and I do not know who opened them. XXXX XXXX XXXX XXXX ACCOUNT # XXXX AMOUNT OWED {$1300.00} DATE OPENED XX/XX/XXXX. XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$950.00} XXXX XXXX XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX {$1300.00} XXXX XXXX XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX. XXXX  ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX ACCOUNT # XXXX XX/XX/XXXX AMOUNT OWED {$360.00} XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00} XXXX XXXX ACCOUNT # XXXX DATE OPENED XX/XX/XXXX AMOUNT OWED {$0.00}
Consumer complaint received 2022-12-21
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. (LA)

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 XXXXXXXX, 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 2023-02-03
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. (PA)

There are several addresses that appear on my report that are incorrect my address is XXXX XXXX XXXX XXXX XXXX PA XXXX 1. XXXX has reported my account which was sold to another agency my personal information is now exposed 2. Many inquiries which I disputed are fraud I also want to add some closed and still appear on my file which I would like them deleted
Consumer complaint received 2022-11-29
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. (FL)

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

XXXX XXXX XXXXXXXX accounXXXX XXXX XXXX  ( XXXX adverse remarks ) Opened XX/XX/2014 has violated my rights. 

15 US.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 man 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

They are also in violation for the CARES ACT.
Consumer complaint received 2017-05-14
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. (MN)

I disputed to the credit bureau the reasons why  XXXX   XXXX   XXXX  located in  XXXX   XXXX , MN should not be on my credit bureau. I sent this  XXXX  of  2016 , It has been a year yet I have not received any feedback but yet this is still on my credit report!
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (AZ)

Week of XXXX XXXX, I asked for my credit report from EXPERIAN. Got the credit report and mistook the credit reporting service membership to be a membership for additional services. Which I didn't want. I ended up getting some kind of membership. The following day I got up to XXXX spam calls, much higher than the usual XXXX per day. 
Today, XX/XX/XXXX, I tried cancel the membership on the web and the website causes one to try and figure out how to cancel the membership by sending you back to your account. I found no way to cancel anything. I called and their phone system is circular which doesn't allow access to a " specialist. '' This is time consuming and disgusting! Please take action.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Trans Union hasnt been reporting any credit and has no credit history under my social number. Ive called and they said theres nothing they can do because theres simply no one reporting any credit at all to them. This is now interfering with me getting a auto loan because they are the only XXXX who saying I dont have any credit.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$3700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

My bank Fifth Third, cashed a check for {$1400.00} on XX/XX/2023 that was made out to my mortgage Company XXXX  XXXX XXXX XXXX. to an individual via a mobile deposit as indicated on the electronic copy of the check. I notified the bank and filed a Fraud Report with evidence from past mortgage payments to XXXX  XXXX XXXX that it was NOT XXXX  who cashed the check but an individual person. They are refusing to reimburse me for the {$1400.00} when they are the ones who took funds from my checking account and gave that money to a person who was not the recepient as clearly indicated on the check. They claim that they have to " conduct an investigation '' and it could take up to 180 days before they make a decision. In addition, because a random person has my checking information, I had to open a new account which will have severe impact on my ability to pay bills because they will not release my direct deposit to my account until they " verify '' that it is legit because it is a " new '' checking account even though I have been a customer of theirs for nearly 20 years. 

I also pay them for a service that is supposed to monitor my financial accounts for fraud and notify me immediately if something is wrong. I was never notified of this, and in fact they did not even catch this. It was XXXX that brough it to my attention when they called me to collect my past due mortgage payment that per my bank statements indicated that I had paid. 

I have attached a copy of the Fraud Report that I filed with Fifth Third as well as a copy of the check that they cashed to the unintended recepient.
Consumer complaint received 2023-09-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (CA)

2 charges appear on my credit card dashboard statement. one for {$42.00} on the XXXX of XXXX and the other for {$84.00} on the XXXX of XXXX. I called the credit card company on XX/XX/XXXX  to alert them of these unauthorized charges. The rep came on the line but did not seem helpful at all. the rep said that they will credit me back the unauthorized charges back to the credit card but nothing was explained. Instead they just decided not even to investigate anything and deny the dispute without investigation anything. Wow very weird situation.. Please help with this matter CFPB they seem to ignoring federal law Fair credit billing act among other laws.
Consumer complaint received 2023-04-18
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. (NY)

My SSN is inaccurate ending in XXXX. 

The following Names are not associated with me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo continues to play these rollercoaster games. As youll see from my Preservation Specialist to whom confirmed they got all of the necessary documents for the loan modification. However for the 3rd time Wells Fargo as you can see has contracted themselves. On or about XX/XX/2023 as you all can see I obtained a Home Owners Insurance Policy from XXXX XXXX. However apparently Wells Fargo is trying to force me to take their price gouging insurance policy
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023, a travel provider charged my Chase Visa card XXXX XXXX  for a trip my wife and I are taking to XXXX for our 25th wedding anniversary. The dollar to XXXX  exchange rate on XX/XX/2023 was $ XXXX XXXX. At that rate, my credit card should have been charged {$8300.00}, but Chase Visa charged my card {$8700.00}. That is a difference of {$350.00}. I can understand Chase Visa charging me anywhere between $ XXXX {$100.00}, but {$350.00} for a no foreign transaction fee credit card? 

I have called Chase visa twice. The first representative told me there is nothing he could do about it and I needed to call the " Disputes '' department. I spoke with someone in the " Disputes '' department who said that he could dispute the charge with the merchant. I DO NOT have an issue with what the merchant charged. The merchant charged me exactly what they told me they would charge me. My dispute is with Chase Visa, which tacked on {$350.00} to a legitimate charge. 

Thank you.
Consumer complaint received 2022-11-29
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)

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX  XXXX Balance : {$1000.00} XXXX XXXX Balance : {$200.00} XXXX  XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-06
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: Experian Information Solutions Inc. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I bank with Huntington. In XXXX there were 3 transactions made on my account via XXXX. I received an email stating funds were being taken out. I logged into my account to go under activity in attempt to cancel them however there was nothing under activity or pending. The amounts showed up once the money was taken out of my account. Ive explained this situation to my bank and they state it was authorized but I never authorized anything. There were three payments totaling {$1100.00}. This has caused great hardship. I didnt have funds in my checking to cover my bills which resulted in late fees. I had to borrow money from my parents to cover those bills. I closed my bank account along with XXXX. The bank has refused to take any further actions. I hope you can help.
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (WV)

I sent XXXX dispute letters to Experian due to them reporting inaccurate account on my credit report. I asked them to investigate and if they found this account verified I requested proof. They never investigated and never responded. Under the Fair Credit Reporting Act they are required to investigate and provide me the requested information within 30 days or delete the inaccurate account, this company did nothing which is a violation of my rights under The Fair Credit Reporting Act. I am including the letters both the first letter and a second letter I sent them. They have had over 90 days and have done nothing.
Consumer complaint received 2022-12-21
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. (MI)

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, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-04-18
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: Credit Corp Solutions Inc. (NY)

I never once gave my information to XXXX XXXX XXXX so i dont know how can i owe a debt when I never signed a contracts with them. I also put on claim with them on XXXX XXXX nobody have still responded to my letter.
Consumer complaint received 2022-12-21
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. (VA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EXPERIAN, XXXX AND XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.