davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
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)

XXXXXXXX XXXX XXXX XXXX.The credit bureaus keep breaking the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to XXXX5 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-03-15
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: EQUIFAX, INC. (NV)

Pursuant to FCRA laws, I have the right to dispute incomplete or inaccurate information. I did not authorize these ( XXXX ) inquiries. These ( XXXX ) inquiries are fraudulent. These inquiries have been placed on my consumer report inaccurately and fraudulently Furthermore, I request that all inquiries are deleted immediately. 

. EQUIFAX must provide how they verified these inquiries belong to me. 
XXXX ) How did you verify these inquiries? 
XXXX ) Provide an original contract/agreement with my wet signature authorizing these inquiries.
Consumer complaint received 2023-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bread Financial Holdings, Inc. (NV)

Comenity Bank is intentionally delaying the posting of payments so they can charge late fees. This has happened 3 times now. Despite the fact that my bank account show my payments posted 10 DAYS prior to the due date, they continually will not post the payment on their end until the day AFTER the due date. Then they charge me a late fee. Getting them to reverse the late fee takes weeks and several phone calls. All the while, the balance on the account is grown because of the fee. 
This loan is on a specific term of 0 % interest. I believe they are intentionally doing this in hopes that I won't notice and that I'll miss the payoff in time, which would result in owing them a bunch of back interest. I can not see how they can't show my payments as posted when it shows being debited from my checking account 10 days earlier. This company is a complete fraud and trying to take advantage of people. 
Please review attachments.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In XX/XX/2023 I submitted a complaint through the CFPB ( complaint # XXXX ) requested that Transunion conduct an investigation on an account XXXX XXXX  which appears in my TransUnion Credit file . As Per 1681 ( I ) ( a ) ( 1 ) ( a ), any dispute investigations must be completed with action taken before the expiration of 30 days of when the dispute was received. Transunion did fail to complete and make timely notification of the results of this investigation as required by law. As per their response, the investigation was completed and closed on XX/XX/2023, which is past the 30 day period.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

A business called XXXX, located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX ( also XXXX XXXX XXXX, XXXX, GA XXXX ) Phone Number ( XXXX ) XXXX, sent me a letter dated XX/XX/XXXX. 
The letter informed me they had a cybersecurity incident in XXXX XXXX. I had worked for two of their restaurants in the past- XXXX XXXX and XXXX XXXX. They indicated that exposed files included my name and social security number. 
They said they were providing complimentary credit monitoring and identity protection services for 2 years via XXXX. 
When I contacted XXXX to sign up for the services offered by XXXX which required I submit certain documents, including a notarized form for Power of Attorney, after being activated on their XXXX 's web site the site listed only a single monitoring service? So I called XXXX today to verify the documents I sent them had been received and asked about their service. I was informed that XXXX has been contracted with XXXX to only monitor TansUnion 's credit reporting activity. 
I attempted to contact XXXX and got the run around - no answers, busy, voice mails- ultimately I could not reach anyone at XXXX to ask why the service only included credit monitoring of only one major credit bureau - TransUnion. Also after contacting the number in the letter and providing the Enrollment Code the employees at XXXX never informed me they only monitored a single Credit Reporting Bureau - because there are in fact 10 credit reporting bureaus I am aware of ( 4 major and 6 sub-prime ). After enrolling, mailing documents, then visiting the " XXXX XXXX ' provided to me at XXXX 's web site did I see the inference that only one credit bureau was monitored.
Consumer complaint received 2023-03-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

We went through an investigation with Wells Fargo several months ago. Unfortunately the thorough investigation only began after the CFPB became involved. After a month long investigation in a XXXX scam, Wells Fargo stated that they could not return our money because it was authorized by the customer. 
Our biggest concerns about this entire situation were that Wells Fargo never warned/informed us as customers about the ongoing incidents with the XXXX scam , that had been taking place throughout the country for over 9 months. They began their XXXX Scam Campaign 2 weeks after we were scammed. 
Our other primary concern is regarding their reading for not returning our money, again stating that it was authorized by this customer. How can something be authorized when it is a scam? I did not authorize someone to steal {$3500.00} from our accounts. I would never authorize someone to take {$3500.00} from my familys savings account. 
The scammer called from a Wells Fargo number. 
When asking Wells Fargo about insurance that covers such fraudulent behaviors and scams, they stated that insurance covers frauds, not scams. 
Wells Fargo stated that they would also follow up with the bank that the money ended up going into to try to get our money back, and we have heard nothing from Wells Fargo since that time. 
We were never warned about the possibility of such a scam prior, though Wells Fargo was well aware of this and they did not protect us from this scam afterward.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-20
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)

Dear Credit Bureau, this account if fraudulent. I contacted the lender and they told me that someone added me as co-signer. But I never co-signed anything and didn't give my permission for that. I also never used that car and have no idea about this loan. 
Please remove the fraudulent account from my credit report : Account Name : XXXX Account Number : XXXX Open Date : XX/XX/2020 Account Type : Auto Loan I have not applied for the account. That account, either the vehicle do not belong to me. I have been trying to dispute this account for several months. I can not believe this account is still not removed from my credit history. This time I have prepared additional documents to support the disputing process. Thank you!
Consumer complaint received 2021-03-19
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. (PA)

I am a victim of identity theft. I recently learned that my personal information was used to attempt to open an account at the companies listed I did not authorize this attempt, and I therefore request that it is deleted immediately.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (CT)

I am writing to express my deep concern and frustration regarding a fraudulent transaction that was made on my credit card. I am disappointed by the lack of security measures in place, as well as the inconvenience and financial burden this incident has caused. 

I discovered several unauthorized charges on my credit card statement. These charges total [ amount ]. To the best of my knowledge, I never made these transactions nor shared my credit card information with anyone. I immediately contacted your customer service hotline to report the issue and request assistance. 

This incident has shattered that trust and compromised my confidence in your ability to protect my sensitive data. 

I kindly request that the unauthorized charges be removed from my account and that a thorough investigation is conducted to identify the individuals responsible for this fraud. Additionally, I seek assurance that my personal information will be better safeguarded moving forward. I expect proper compensation for the inconvenience caused, including any financial penalties resulting from the fraudulent charges. 

I believe it is crucial for your company to implement stronger security measures to prevent future instances of credit card fraud. This should include better monitoring systems, enhanced fraud detection technology, and more proactive communication with customers when suspicious activities are detected. By taking these measures, you can restore customers ' faith in your services and ensure their financial safety. 

I anticipate your prompt action regarding this matter. I appreciate your attention to my complaint and expect a satisfactory resolution within [ reasonable timeframe, e.g., 14 days ]. 

Please reopen my complaint since your department referred me to the Office of the Comptroller of the Currency.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I want to make a formal complaint regarding the inaccurate credit information you have reported. I am extremely distressed that these inaccuracies have been included in my credit profile The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611 Subsection AD, and under FCRA and TILA. Without written agreements, I question the validity of any liability as a victim of identity theft. 
Credit reporting laws require that all reported information be 100 % accurate. Therefore, every measure must be taken to ensure the reported information is correct. 
The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (OH)

I did not authorize these inquires on my credit report. I demand the following fraudulent inquires be removed from my credit report. Its a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In reviewing my credit report on XXXX there is a collection account I do not recognize aXXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}. According to FCRA and FDCPA, debt collectors are required to send written notice before attempting to collect or report alleged debts. XXXX has violated my rights by not allowing me the 30 day " Right to Dispute ''. Additionally, this collection account is reporting as " Past Due '' which is also a violation of the FCRA and FDCPA. I am demanding the removal of this account from report.
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC (PA)

My escrow due increased. The mortgage company claims its due to a number provided by the tax department. 

I have documentation from the taxing authority stating they never provided the mortgage company this information. 

The mortgage company is asking I pay an additional XXXX  XXXX into escrow per year without any documentation or justification for the increased amount. This is a XXXX XXXX increase. 

I asked to take the escrow off of my mortgage and pay the taxes on my own so I can manage the savings and amounts. Because they have not held the mortgage for a year I am unable to apply and have lost trust the company will even let me manage my own money.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAVALRY INVESTMENTS, LLC (AZ)

Cavalry Portfolio Services emailed me claiming I owe a debt. I responded by requesting validation and verification of the debt. They replied, stating I needed to create an account with them to dispute the debt. Instead, I mailed them a formal letter requesting validation and verification. Despite this, as of XX/XX/XXXX, they reported the debt to XXXX, XXXX, and XXXX without providing the requested information. This is a violation of the law.
Consumer complaint received 2023-06-01
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX Illinois XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The dispute stated unable to locate credit report. I received a credit report dispute letter stating the items I disputed was not on my file however, they are listed on the credit report I received on XX/XX/2016 : XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-06-01
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX XXXX, TRANSUNION LLC CONSUMER DISPUTE CENTER, XXXX, XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-20
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)

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.

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 2023-06-01
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 am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2023-06-01
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)

After sending a lot of complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved! I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I DO NOT have any idea regarding these fraudulent accounts on my credit report. So please have them REMOVED on my credit report.
Consumer complaint received 2023-08-22
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: Experian Information Solutions Inc. (CA)

Experian did never started the Consumer complaint filed on XX/XX/2023 I Resent The Complaint twice with time-stamped recite by fax They refuse to investigate and validate the items listed in exhibit C with XXXX XXXX the items liste are fraudulent charges. 
They keep sending items to need that were provided in the Filing
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TAG Intermediate Holding Company, LLC (TX)

If the reinvestgation under XXXX of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or XXXX be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove tricolor for my account