davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I went to check my credit report prior to loan for daughters school and realized I have damages on my credit report. According to 15 USC 1681 Law there should not be any damages on my report as it is a defamation to my character. 

TRANSUNION, XXXX AND XXXX HAVE AIDED IN THIS FRAUD BY NOT VERIFYING THESE ACCOUNTS pursuant to 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. You are in VIOLATION of this law because I am a victim of identity theft!! I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 

PLEASE DELETE ALL FRAUDULENT ACCOUNTS IMMEDIATELY
Consumer complaint received 2023-06-06
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)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA, XXXX XXXX XXXX XXXX, GA XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Consumer complaint received 2023-06-05
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. (DE)

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, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX 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. The above companies have not verify proof of my identiy. drivers licence or signatures
Consumer complaint received 2023-01-04
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. (NY)

I sent a letter on XX/XX/ to Transunion to remove the account below that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XXXX Ive already included this in my previous Complaint XXXX & I am including it again. 

XXXX XXXX
Consumer complaint received 2023-07-24
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)

I hope this letter finds you well. My name is XXXX XXXX and I am writing to dispute several inaccuracies that have appeared on my credit report, dated I have recently obtained a copy of my credit report, and after careful examination, I have identified some discrepancies that require immediate attention I believe these inaccuracies are negatively impacting my creditworthiness and overall financial standing. Below is a list of the disputed accounts along with their respective account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I wish to bring to your attention that the inclusion of the above-mentioned accounts on my credit report is erroneous and a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( B ). According to these provisions, credit reporting agencies are required to ensure the accuracy and completeness of the information they report. Any information that can not be verified as accurate must be promptly removed from the credit report Moreover, as per the FCRA Section 609 ( a ) ( 1 ) ( A ), I have the right to request verification of the information provided on my credit report. I kindly request that you conduct a thorough investigation into these disputed accounts and provide me with documented proof of their validity. If you are unable to furnish such evidence, I demand the immediate removal of these items from my credit report. 

It is crucial to emphasize that a fair and accurate credit report is vital for me to obtain loans, credit cards, housing, and even potential employment opportunities. These inaccuracies are unjustly tainting my financial reputation, and I am taking all necessary steps to rectify this matter. 

I trust in your expertise and professionalism in handling this dispute. The FCRA mandates that credit bureaus investigate disputes within 30 days of receiving a request. Therefore, I kindly request your prompt attention to this matter to ensure a timely resolution. 
Please provide me with a written response detailing the results of your investigation, along with an updated copy of my credit report once the inaccuracies have been rectified. 
Thank you for your prompt attention to this matter. I look forward to a swift resolution and a corrected credit report that accurately reflects my financial history.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Last XXXX XXXX I called Bank of America Credit Card collection department ( for my Rewards Visa Signature Card ending XXXX ) and paid {$9500.00} through and by giving my checking account information at XXXX, My balance dropped down to {$230.00}. 
Then today, XX/XX/XXXX, to my shock, I saw in my checking account at XXXX a pending payment to Bank of America amounting to {$9800.00}. I immediately called Bank of America credit card. And I was told that it was a duplicate payment that they couldnt explained how it happened but confirmed that its a glitch in their payment system. I wad told to wait until it posted in my checking account in XXXX before they can refund the huge amount. I called my other bank XXXX  for help because I was very worried of the domino effects it will cause once it posted and that I will be way below my balance and will incur multiple overdraft charges in relation to my scheduled auto payments. Immediately XXXX was able to process a stop payment to Bank of America. And I have to pay {$20.00} for the stop payment processing fee. I am going to ask BOA to reimburse this fee that was charged to me since they are the ones which caused the chaos and inconvenience. Moreover I am filing this complaint to demand an explanation why this unauthorized transaction was attempted by BOA.
Consumer complaint received 2023-05-16
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. 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
Consumer complaint received 2023-03-09
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. (AZ)

I was notified XX/XX/2023 by XXXX XXXX that my name was added to someones credit card. Upon checking my TransUnion credit report per XXXX XXXX, it shows a XXXX XXXX account # XXXX with a balance {$2900.00} that is not my card or account. I called XXXX XXXX XXXX and spoke with a XXXX who informed me the holder of the card was also a victim of fraud. My name was added to the account fraudulently using my correct name, birth date and social security number. However, they used an incorrect address of XXXX XXXX XXXX XXXX XXXX, FL XXXX of which I have never lived. I have never lived in Florida ever. XXXX stated they would remove my name from the account and notify credit bureaus to remove the account from my credit report. So someone is using my name, date of birth and social security number to commit fraudulent credit card theft.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$8.00}, XXXX XXXX XXXX Balance : {$8.00}
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (MO)

my venmo account has been telling me my account is suspended since XX/XX/XXXX. yet i haven't done anything that goes against their terms. i was paid {$860.00} on XX/XX/XXXX and venmo will not let me transfer the money to my bank. when i try to enter my bank yo transfer it just says " there was an error '' i have contacted them for the last few days and they email me back with emails on why my account could be frozen and that is all they have done for me.
Consumer complaint received 2023-05-16
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Our client filed chapter 11 in XXXX and our plan was confirmed in XXXX paying the principal back at .00 % interest, no escrow, no insurance. When the loan was transferred to Nationstar, the cram-down had not been acknowledged by the previous lender which showed the client 's principal balance at a higher rate and an escrow account was in place. I have been trying for over 8 months to get Nationstar to acknowledge and provide us with the correct principal balance and it always comes back as a higher amount with an escrow account in place.
Consumer complaint received 2017-05-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Innovative Debt Recovery, Inc. (AZ)

a company name d IDR atte mpted to contact me via postal service, claiming that I owe o ver 1000 dollar s for a debt. The debt they say I owe is to a Credit union in az I believe is called   XXXX   XXXX   XXXX   XXXX  . That credit union attempted to say I owed them money almost a year ago, after I had reported my card missing/stolen just 2 days after opening the account their, and having never even used the card. I had told the credit union to please provide me with at least some/all of any security camera footage of WHEN my card /account had been used., that way both the credit union and myself could prove just if or not it had even been me using the card at all. THEY never provided any footage and kept giving me excuses on why they were denying me that. NOW this IDR says they bought the debt in which was a bogus debt to start. please advise me on how to get them to not try and ruin my credit and harassing me. thank you
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions This account is showing inaccurate information on my credit report
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In XXXXXXXX XXXX, I sent a letter to XXXX XXXX may right to opt out. They are still reporting
Consumer complaint received 2017-11-21
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AutoMoney, Inc. (SC)

XXXX and XXXX have both contacted four separate family members concerning my debt after being told in writing and in person they are not to contact these individuals. XXXX left voicemails with two separate individuals stating she was calling to obtain a reference for me and when they returned the calls she them tells both individuals she is trying to locate me. I called Auto Money on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and left messages and received no follow up calls again stating that they are not to contact these individuals. When I finally spoke with XXXX her response was " my bad the computer has n't been updated. '' I personally updated all information with them in XX/XX/XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly 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 instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-07-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (FL)

My complaint is with Chime. I transfered {$160.00} from my XXXX XXXX to my chime about a month ago. They immediately suspended my account. I have done everything they've asked of me. I submitted documents 3 times and when I reached out to stride bank they said they would resolve it about 2 weeks ago. I contacted chime today. They closed ny account while I was on the phone. They said they would help and even had me submit documents again. Now they want me to wait another 30 days to maybe get a check sent. I don't understand why they can't just reverse the money back to my XXXX  XXXX. I can't afford to wait another month.
Consumer complaint received 2023-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX i went to wells fargo in XXXX nc to deposit XXXX $ cash in my account. Everytbing went fine til later that evening which i got a call about a check being deposited in my account of XXXX $ i thought it was a fraud call so i hing up on them. The next day my account was - negative XXXX XXXX I called them and they explained that they was closing my accounts that i can no longer be a customer with them and can not bank with them ever again, not even giving me a chance to re open another account which i had been banking with them since XXXX!!!! They wasnt willing to help me do anything and now i cant get my taxes with my direct deposit due to them closing it before i get them so i have to wait a whole nother month to recieve a check. And i really dont appreciate it at all such a inconvenience to me with them not wanting to help me and stating i can no longer be a customer with them ever again. My account now states i have XXXX $ in it. But the check and my deposit was both done at the same place. And now i cant do anything with my account theres a block on it. And with all this that had happened making my account negative it took my last XXXX $
Consumer complaint received 2023-06-05
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. (IL)

Please remove this inquiry from my credit report as it is not associated with me in any way. I did not make this inquiry and have no affiliation with the creditors involved. I request that this inquiry be promptly removed from my credit report.
Consumer complaint received 2023-05-16
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. (NC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX