davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-29
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXXm a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-19
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. (AR)

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX ACCT # XXXX, XXXX FI Account # XXXX In accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-05-29
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. (NY)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Transunion must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-19
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: Experian Information Solutions Inc. (PA)

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ).
Consumer complaint received 2024-01-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report with your bureau. Upon reviewing my credit report, I have noticed that there are late payments marked on my account, and I am writing to request their immediate removal. 
I understand the importance of maintaining a positive credit history, and I take full responsibility for any oversights that may have led to these late payments. However, I kindly request your understanding and consideration in removing these late payment entries from my credit report. 
XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX I believe that my overall credit history demonstrates responsible financial behaviour and I am committed to maintaining a positive credit profile. The presence of these late payments is impacting my credit score adversely, and I am eager to rectify this situation promptly. 
Please find attached supporting documents that provide additional context and clarification regarding the circumstances surrounding the late payments. I assure you that I am committed to ensuring timely payments moving forward. 
I kindly request that you conduct a thorough review of my credit report and take the necessary steps to remove the late payments at your earliest convenience. I understand that the accuracy of credit reports is crucial, and I trust that you will handle this matter with the utmost diligence.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired TransUnion, who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX This is making me lose confidence in the banking system due to these violations. I the consumer does not grant TransUnion. The permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXXXXXX, XXXX, and TransUnion has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
DELETED & REMOVE & UPDATED
Consumer complaint received 2024-01-18
Product: Credit reporting 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)

XXXX data breach in XXXX I am writing to address a serious matter regarding the data breach. It has come to my attention that my credit report has been reflecting several instances of fraudulent activity, specifically the opening of a credit card from XXXXXXXX XXXX with a balance of {$1400.00}. 

I have taken the necessary steps to rectify this situation by providing proof of the XXXX data breach in XXXX as well as an Identity Theft report. Additionally, I have attached a dispute letter pertaining to the fraudulent credit card and evidence of the deletion of all related inquiries from all three credit bureaus.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederaily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (DC)

MasterCard credit card issued by XXXX XXXX XXXX XXXX ( XXXX ) ; offered via email promotion and {$1000.00} line of credit. Brand name FORTIVA Credit Card Card was issued XX/XX/XXXX. With. {$170.00} annual fee@ 29.9 % / 34. % APR. 

Payments were made to this card via ACH direct debit from cardholder checking account. On XXXX, XXXX ; cardholder issued an ACH pymt for current balance @ $ XXXX. Fortiva Card Services claimed the ACH didn't process properly and was therefore, insufficient. 

Cardholder provided bank statements and documents showing funds were available and were valid for transaction debit, in order to reissue the payment. Card services at Fortiva instead closed the account and claimed non payment and reported to the Credit Bureau as closed and settled account @ {$800.00}. 

The promise made by Fortiva to credit back the annual fee, ( prorated ) and keep account open and except minimum payments without reporting to the credit bureau has been breached and non existent. Possible correct balance is {$650.00}. 

XXXX, XXXX credit bureaus are showing this account reported on XX/XX/XXXX closed as settlement. However, cardholder wasn't advised o and wasn't notified of the reporting as closed by creditor without valid reasons. 

Creditor received payment in full $ XXXX right after the discrepancy was corrected by the issuing or receiving bank via ACH. 

Fortiva Card Services representative of XXXX have no idea how to correct this problem nor have direct access to the bank making those decisions. 
Adjustments to the account haven't been processed nor have the customer service department provided valid answer, nor proper information as to where to file a dispute. 




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Consumer complaint received 2022-11-07
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. (ND)

My leased XXXX XXXX XXXX was totaled on XX/XX/XXXX. XXXX was notified and paid in full on XX/XX/XXXX. XXXX applied the lease payoff in XX/XX/XXXX ( they took a month to record the payoff ). XXXX kept reporting the loan was not paid through XX/XX/XXXX showing arrears. I called XXXX twice in XXXX  months to correct it. Finally they corrected it with Transunion, but Transunion still proceeded to drop my excellent credit from approximately XXXX to XXXX. THEY NEVER CORRECTED MY XXXX XXXX. Now the other XXXX agencies are following suit ( XXXX and XXXX ). I have worked XXXX for my score to be in the XXXX. THIS HAS TO BE CORRECTED.
Consumer complaint received 2023-12-28
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. (MI)

UNAUTHORIZED FRAUDULENT INQUIRES XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EXPERIAN : XXXX XXXX XXXX XX/XX/2023 REMOVE UNAUTHORIZED FRAUDULENT INQUIRES
Consumer complaint received 2023-05-29
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. (GA)

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from third party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (AL)

I'm filing a complaint against experian because I tried to dispute the XXXX XXXX bankruptcy off my credit report because US BANKRUPTCY CLERK said they do not report to the credit bureaus or agencies so where this come from and who put this on my credit report. Cause XXXX, XXXX, experian said it comes from the courts no it XXXX I have a letter stating that they do not report to credit bureaus. I need this removed from all credit report.
Consumer complaint received 2023-05-29
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. (TX)

This is in reference to complaint XXXX. Transunion stated that the account XXXX XXXX XXXX XXXX XXXX  was updated, but there was nothing updated. I asked for the late payment to be removed on XX/XX/XXXX so why haven't I received validation that the account was late or why hasn't it been removed? If you can not furnish the actual bank statement to show that I was late in XXXX then please remove this from my credit report or I will proceed with legal action. I do know that violations of the FCRA can be taken to small claims court and consumers are liable for {$1000.00} per violation.
Consumer complaint received 2023-12-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (VT)

First week of XXXX I was at Dick 's at XXXX XXXX New York with my husband buying gifts. At checkout I was asked if I had a store car, I don't so I was instructed to start filling out an application and then told me of what I thought was a member card, I have XXXX for XXXX, for XXXX for many stores but no he had me start to fill out information for a credit card, while I stopped the process immediately and DID NOT FINISH any application, here it is pulled XXXX points off my credit score. How??. I didn't even finish the application once I realized it's for a credit card I canceled all of it. I'm beside myself as no one will or can help me. I called the store about this shady practice, nothing can be done it's oh well. This isn't right by no means. There is no card because I cancelled the application but it went through anyway, I didn't even fill in information into application like I stopped it and cancelled but apparently I can't do that. I don't want dicks credit card my husband carries the credit cards because of his job, we certainly never intended on adding another credit card. I have store rewards cards this entire situation was misrepresented by the cashier. I was furious immediately I called the store manager as soon as my credit score hit.
Consumer complaint received 2023-05-29
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-07-14
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. (PA)

Hello, I've been a victim of identity theft. My personal was stolen. I noticed XXXX XXXX that I have incorrect/ fraud hard inquiries on my credit report. The company reporting this is XXXX. The incorrect hard inquiries listed are Name : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX OH, XXXX, Name : XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX FL XXXX, Name : XXXX Date : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX TX, XXXX.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

In XXXX of XXXX, Ive made several attempts with all 3 credit reporting agencies to resolved the unauthorized inquiry issue on my consumer credit profile. A resolution has not been met.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

On XXXX of 2008 at around XXXX i tried to withdraw {$400.00} from my Wells Fargo account at a Wells Fargo ATM located at XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX California XXXX. The ATM did not give me the money and the {$400.00} we're still debited from my account. I would have spoken to a banker at the moment but the bank was closed, so I went in the next business day only to be mistreated and called a " scammer '' and a " thief '' by the bank manager who didn't even give me a chance to talk to her about what had happened, a banker told her what I was there for. She told security to escort me out of the branch. On my own I figured I should call Wells Fargo customer support, I did but they needed a receipt of the transaction... and so it never got resolved.
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (MI)

On XX/XX/2023 I went to the Huntington National Bank in XXXX, Michigan and used their ATM to make a deposit. I deposited cash. I deposited {$500.00} of mostly {$20.00} bills and then {$400.00} of a mixture of {$20.00} 's, {$10.00} 's and {$5.00} 's. For a total of {$900.00}. The ATM could only accept a certain number of bills at a time so I separated the deposit into 2 stacks of bills. I then inserted a stack of {$500.00} into the ATM and then I clicked " Add More '' to insert the {$400.00} into the ATM. The ATM gave me back the {$400.00} as it said it was not able to properly read the bills. The ATM then errored out saying that I need to " Contact my Financial Institution ''. The ATM then gave me back {$20.00}. 

I contacted the bank and issued a dispute that the bank still owes me the {$480.00} as the ATM gave me back {$400.00} + {$20.00}, for a total of {$420.00}, but it still had the {$500.00} that I put in initially. 

Huntington National Bank researched the issue and their research department said that they could only find {$270.00} and that was all that they were going to credit me. 

This is incorrect as Huntington National Bank owes me {$200.00} still. I feel that Huntington National Bank has stole {$200.00} from me with their faulty ATM. 
I inserted at total of {$900.00} into the ATM that day. Was given back {$420.00} and then credited back {$270.00} but that is only {$690.00} of the {$900.00} that I put into the ATM. 

Huntington National Bank owes me {$200.00} I feel very wronged by this as the bank has stole my money.
Consumer complaint received 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is XXXX XXXX XXXX  # XXXX