davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to bring to your attention several serious violations committed by TransUnion, a consumer reporting agency, in relation to the Fair Credit Reporting Act ( FCRA ) and the protection of consumers ' rights under federal law. It has come to my attention that TransUnion has failed to comply with the provisions outlined in 15 USC 1681 and the FCRA Sections 611, 616, and 617, as well as violated identity theft laws as per the Federal Trade Commission ( FTC ). XXXX XXXX XXXX XXXX XXXX XXXX, violated my consumer rights via fraud directly related to information sold and transferred to TransUnion. 
First and foremost, TransUnion has failed to fulfill its obligations under 15 USC 1681, which mandates the accurate and fair reporting of consumer credit information. Despite the requirement to maintain reasonable procedures to ensure maximum possible accuracy, TransUnion has negligently reported erroneous and misleading information on my credit file. This inaccurate reporting has had a detrimental impact on my creditworthiness and financial standing, as well as impeded my ability to obtain credit, secure housing, and access other essential services. 
Furthermore, TransUnion has violated FCRA Sections 611, 616, and 617, which specifically address consumer disputes and the responsibilities of credit reporting agencies in handling such disputes. Despite my numerous attempts to dispute the inaccurate information on my credit report, TransUnion has either failed to conduct a reasonable investigation or provided a perfunctory response that did not adequately address my concerns. This failure to comply with FCRA requirements has deprived me of the opportunity to rectify the inaccuracies and protect my consumer rights. 
In addition to these violations, TransUnion 's actions also constitute a breach of identity theft laws as outlined by the FTC. The inclusion of fraudulent accounts and erroneous personal information in my credit file indicates a failure on TransUnion 's part to implement sufficient measures to protect against identity theft. By allowing such information to be present and persist despite my diligent efforts to correct it, TransUnion has further exposed me to potential harm, financial losses and illegal reposession by XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-11-28
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. (NY)

I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be REMOVED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion Credit Bureau to validate this account ( A ). I hope this disputed account is deleted. 


XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}
Consumer complaint received 2023-01-25
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. (NY)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX 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
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have attached an FTC report with a collection that is reporting as open which is illegal and a collection can not be an open account, they continue to change it to closed and then they change it back to open this is illegal and there are unauthorized inquiries I have sent in multiple times and they do not do anything about them
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX account number XXXX is a fraudulent account with total fraudulent charges up to a high balance of : {$4700.00}. Its now listed on my Equifax credit file as a paid charge off. XXXX XXXX XXXX also commited tax fraud through the IRS by listing a charge off date of : XXXX. I challenged this with the IRS and won. XXXX XXXX XXXX sent a letter which ill include in the CFPB complaint listing the actual charge off date as : XXXX. In addition, im a verified victim in the recent EQUIFAX data breech. this fraudulent account must immediately be removed from my Equifax credit report.
Consumer complaint received 2023-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I paid my bill, which was over {$10000.00}, in full through a third-party payer, which is usually how I pay it, and the payment was received by the credit card company, Bank of America XXXX and the same day or the next day they also, on their own accord, removed the identical amount from my private bank account, and then went ahead and just credited the amount to the Credit Card XXXX This occurred more than 2 weeks ago, and I spoke with them and they claimed it was impossible that something like that could occur on their end, and that I must have gone into their banking app and paid it, in addition to the payment that I made through the third party payer, which NEVER HAPPENED. They said that they needed to investigate it to reverse the payment and put the money back into my account, but that has still not occurred. 

Even if they do so, this is a theft. Whether this was a glitch in their system, or the result of an intentional act by a Bank of America employee, my checking account was severely overdrawn as a result of their actions. I am owed interest, or some other form of compensation, in addition to, of course, the return of the initial amount they wrongly removed from my private banking account. For your further information, they had my private account information in their system as I had paid a couple of bills directly that way.
Consumer complaint received 2021-01-02
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: EQUIFAX, INC. (FL)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-06-29
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. (TX)

Department of educationXXXX is showing everything as being paid good then out of no where they show one month with a green check then the very next month 90 days late. Then the next month is 120 days late. Then the third and final month is 150 days late. The math doesnt work. I am XXXX living on railroad retirement board XXXX. Im doing what I can but the dates showing late are the dates they said they were putting a freeze on student loans due to the COVID 19. On fico which is attached they show 120 day late then 120 days late tgen 159 days late. This math does not work
Consumer complaint received 2023-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-03-27
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: EQUIFAX, INC. (IL)

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 2023-06-29
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. (PA)

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-06-29
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. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-29
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-06-29
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-01-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

The homeowner has filed for a loan modification over the past 3 years. She has been denied loan modification based on the fact that she earns too much money. The homeowner 's mortgage is going to increase 35 % in the next 60 days which will force her into default. The bank 's denial to modify this loan is both arbitrary and capricious.
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 — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2022. I called to Wells Fargo Home Mortgage for a discussion of mortgages, but did not authorize a mortgage application nor a credit check. I repeatedly and expressly forbid a hard credit check to its aggressive agent. I already knew my ( high ) credit score. 

I learned later that despite my warning, Wells Fargo committed fraud and identity theft by processing a hard credit check without my permission, through XXXX, which produced published harm to my credit score. When I complained, the Wells Fargo " Executive Offices '' unilaterally denied any wrongdoing. Wells Fargo seemed to be fully aware of the their wrongdoing but instead, denied it in order to protect the resulting benefit to itself. More specifically, the agent benefits by processing as many mortgage applications as possible. 

XXXX says it only allows their clients ( Wells Fargo in this case ) to make determinations and final conclusions in response to consumer complaints. Again, this results in the automatic denial of any fraud or other wrong-doing.
Consumer complaint received 2021-03-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2023-05-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

A payment in the amount of {$20000.00} was made to Selene Finance on XX/XX/2023 regarding an existing mortgage loan. Said payment was processed the same day with funds debited from my checking account the following day. 

A review of the payment portal at Selene Finance indicates that said payment was accepted and credited " in suspense. '' A balance is still due and and a payment is required on XX/XX/2023, despite the fact said earlier payment would pay the mortgage account in full. 

Repeated telephone calls to Selene Finance have fallen on XXXX XXXX. Not only has the {$20000.00} payment not been properly credited, it has not been returned.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I saw the Capitol One Savor One credit card advertised throughout the internet with a {$200.00} bonus on {$500.00} spend within the first 3 months and it is advertised as such to this day on their website. I applied on the capitalone website and my application required additional identity verification. I called in and that department stated there are not any special " links '' to be eligible for that offer unless you are doing a referral link from a friend family member & I should be good. Fast forward a little over a week later, I finally receive my card and I call customer service to verify the offer and they tell me that my application did not include that offer and could not tell me why, which I can't understand since I have excellent credit in the near XXXX or XXXX. I feel like I have been bait and switched by the welcome offer presented on their website, I am unable to get help via phone and that is their only method of communication or escalation.
Consumer complaint received 2022-11-28
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: ALLY FINANCIAL INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 3 credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at 3 credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I hope these disputed account are updated. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Date Opened : XX/XX/18 Balance : {$0.00}
Consumer complaint received 2018-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

We made a mobile deposit of {$2000.00} from XXXX XXXX to Bank of America on XX/XX/2018. Previous the hold was placed on the account until XX/XX/2018 for funds to be released. I spoke to Bank of America on on XX/XX/2018 because we received an alert advise of our account negative $ XXXX. I called Bank of America to verify was there an issue with the deposit and was advised the funds will be released on XX/XX/2018 due to XX/XX/2018 was on Saturday no funds will be released and XX/XX/2018 was a Holiday. As of XX/XX/2018 no funds released and no funds will be released until XX/XX/2018 due to the check needed to be validated extensively before the funds to be released to protect the bank and the customer. I was advised the next time for XXXX XXXX to issue an electronic payment through direct deposit because of the substantial amount of {$2000.00} but we have no way of telling XXXX XXXX  how to send the funds. This is unacceptable I am the customer and I pay monthly on the XXXX Policy through my job as a right I need further explanation what is the real issue at hand.