davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (TN)

The following accounts do not belong to me. My personal information was found on the dark web, such as my SSN, address, dob, and name. This is identity theft, Also, I notice my information was exposed in XXXX and TransUnion data breaches. I demand this information be blocked from my credit report for any future reporting. This is a violation of my privacy, and defamation of character I'm in the process of purchasing a home. I demand immediate deletion. There are also tons of inquiries, and creditors I have never heard of or ever done business with I demand immediate deletion.
Consumer complaint received 2020-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

XXXX KEEPS PUTTING " FAKE, FRAUDULENT AND INCORRECT '' STATEMENTS ON ACCOUNTS THAT ON ARE ON MY CREDIT REPORT AND I AM SICK AND TIRED OF THEM DOING THIS. BY THEM PUTTING THESE STATEMENTS ON MY CREDIT REPORT WITHOUT MY PERMISSION THEY ARE IN VIOLATION OF THE FCRA AND ARE HARMING MY ABILITY TO GET A MORTGAGE. 

THE FOLLOWING STATEMENT " CONSUMER DISPUTES-REINVIESTIGATION IN PROCESS, CONSUMER DISAGREES '' ARE ILLEGAL STATEMENTS ON THE FOLLOWING CLOSED ACCOUNTS. 

1. XXXX 2. XXXX XXXX 3.XXXX 4. XXXX 5.XXXX XXXX ACCOUNTS 6. XXXX CARD I HAVE NEVER DISPUTED THESE ACCOUNTS AS THEY ARE CLOSED AT MY REQUEST AND HAVE POSITIVE PAYMENTS BEING MADE. WHY WOULD I DISPUTE THEM. I BELIEVE XXXX HAS PUT THESE ILLEGAL STATEMENTS ON MY FILE TO HARM ME DUE TO OTHER COMPLAINTS THAT I HAVE SUBMITTED IN THE PAST. 

EXPERIAN HAS DONE THE SAME THING TO THE XXXX XXXX ACCOUNTS THAT ARE BEING REPORTED. I DEMAND THEIR NEGATIVE STATEMENT BE REMOVED.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.
Consumer complaint received 2024-03-16
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. (AZ)

This noticie is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT XXXX. XXXX. XXXX. XXXX. XXXX. XXXX. This accounts were not verify as required by law on my consumer report. 15USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title. A consumer agency reporting shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The following inquiries are a result of Identity. 
XXXX XXXX XXXX XXXX XXXX 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 ) This are theft and was not initiated by me. I demand they are DELETED IMMEDIATELY.
Consumer complaint received 2023-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 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. 1681 s-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 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2020-08-03
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$4100.00} XXXX  XXXX {$3000.00} XXXX  XXXX {$5400.00} XXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$3000.00} XXXX-XXXX  XXXX  XXXX {$13000.00} XXXX XXXX {$130.00} XXXX  XXXX {$9300.00} XXXX  XXXX  XXXX {$250.00} XXXX XXXX {$850.00} XXXX XXXX XXXX {$830.00}
Consumer complaint received 2022-09-30
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. (IL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TN)

In XXXX 2022, I was shopping for a car. I asked XXXX to stop running my credit because I wasnt going to buy the XXXX from them. I had already purchased the car and I informed them of this purchase, yet they continued to run my credit.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

I went to the atm at Capital One at XXXX XXXX  I made a deposit for XXXX and then one for XXXX. The atm did not have a receipt mechanism in place and it said it will retain my cash if I didnt take it out, it never gave it back. That was my rent money. I went into branch, they said they can not do anything due to atm being a third party and to file a dispute with customer service. I filed a dispute and they told me up to 10 business days for my money to be returned! Please help me.
Consumer complaint received 2023-11-30
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. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records LISTED BELOW. 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 that Credit Bureaus are responsible for their tenacious rebelliousness. 

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 2020-01-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (SD)

FED LOAN SERVICING. They will not remove the duplicate loans from my credit report. 

Having duplicate student loans on your credit report can seriously mess up your finances. This error makes it appear to credit bureaus and lenders that you have more debt.
Consumer complaint received 2022-09-30
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-30
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION (GA)

I deposited a XXXX dollar check on XX/XX/23 from a customer I did a job for. I expected to have a two week hold on the check but after the two weeks we're up I wasn't able to use my debit card and I went to the bank and they told me they closed my account and had a fraud hold put on the check it has been on it since the XXXX and they told me today that it could be another 90 days until I get the hold lifted for suspected fraud. I talked to the customer and the funds have already been taken out of her account and the check cleared on her end but regions bank will not lift the hold for me to withdrawal any of my money or give me any kind of solutions other than they are working on it
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (GA)

I have a account named XXXX  under account number XXXX being reported by both XXXX and Equifax. Both accounts have been disputed by me to XXXX  and Equifax and said disputes were denied and all information in credit report was deemed correct and verified by both agencies.Both reports are being said to be tru and correct. Contrary, both reports differ in _______ different ways but yet both are considered verified and updated. Each report has different information reporting. Since this is the case, both reports can't be correct and verified as accurate. The errors showing on both reports are : One ( 1 ) - XXXX  report shows high balance as XXXX and Equifax shows high balance as XXXX. Two ( XXXX ) - XXXX  report shows date of last activity as XXXX and Equifax shows date of last activity as XXXX. XXXX ( XXXX ) - XXXX  report shows date of last payment as XXXX and Equifax report shows date of last payment as XXXX. XXXX ( XXXX ) - XXXX  report shows last payment made was on XXXX. Contrary, in or on same XXXX  report, in the 2 year pay history calendar, it shows last payment made was XXXX. Both can't be correct. XXXX ( XXXX ) - Equifax report shows last payment made was on XXXX. Contrary, in or on same Equifax report in XXXX history calendar, it shows account was 60 days late in XXXX. Both can't be correct either! XXXX ( XXXX ) - XXXX  report says XXXX was paid/ o.k.. Equifax report says XX/XX/ was 30 days late. Both can't be correct. XXXX ( XXXX ) - XXXX  report shows XX/XX/ as 30 days late and Equifax report shows XX/XX/ as 60 days late. Both can't be correct also! Both reports show XXXX errors that can't be verified by XXXX or Equifax as true or correct when both reports differ greatly and have such a high amount of errors for dispute.
Consumer complaint received 2023-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We were forced into a short sale on our home in XXXX after refinancing our mortgage with Wells Fargo at a 9 % interest rate and over {$25000.00} in fees. This was advise given to us by a mortgage loan officer at Wells Fargo and he assured us that we would refinance ( again ) at a much lower rate in 6-12 months and that the high interest rate and payment amount were only temporary. That didn't happen because our home value dropped significantly after the bubble burst in XXXX ( our home appraised at $ XXXX more than it was worth when doing the refinance only a few months before ). We made every effort to keep up with our exurbanite payments each month along with our real estate 's tax and insurance premiums but after several years, we just couldn't do it anymore and the only option was a short sale or foreclosure. We opted for a short sale and closed in XX/XX/XXXX. We also wound up renting a home for more than the market called for because our credit scores were so low because of not making our payments on time, leading up to the short sale. We feel this was a rouse by the lender at Wells Fargo because he was paid commission based on the interest rate and fees charged and that this falls under the unfair practices {$3.00} billion settlement reached by Wells Fargo in XX/XX/XXXX. We have not been contacted by Wells Fargo directly as it suggests in the media, therefore, we are submitting this complaint to the CFPB.
Consumer complaint received 2024-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

All 3 companies REFUSE to remove the invalidated inaccurate XXXX XXXX XXXX 
Some charge offs and late payment history Ive sent more than 5 letters Made more than 6 complaints with the companies yet all I get that is accurate when its not. Ive filed a fraud alert/ my complaint from the ftc .
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

Missing check : Condo fee {$410.00} check from XXXX by XXXX online XXXX hasnt been shown on XXXX XXXX XXXX XXXX account, Citizens bank. However the fund was drawn from XXXX but fund hasnt transferred to Citizens bank. XXXX claimed issue at XXXX and I claimed issue at Citizens Bank. Both bank avoided responsibility and communication each other than helping XXXX and XXXX. 
Put XXXX ' name and number XXXX XXXX XXXX from XXXX XXXX XXXX advanced services in the complaint so that they know the issue.
Consumer complaint received 2023-05-10
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. (NY)

This is my fourth 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, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX  XXXX Balance XXXX {$1000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance XXXX {$4100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$1000.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4100.00} XXXX XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$340.00} XXXX  XX/XX/XXXX
Consumer complaint received 2022-02-23
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Respectable Consumer Financial Protection Bureau, a capitol credit card was opened up on XXXXSince the card was used towards a promotion of a vacation while being opened up through the Bass Pro Shops no minimum payment was given, no date of first payment was given, no texts, no email and nothing sent to the address of mine at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. No one followed up from customer service. After a few weeks I myself called to inquire about the date of payment and minimum. By that time I was told that a {$27.00} dollar late fee has been generated. Also I was told that my monthly minimum was also {$27.00} dollars. I assumed that this was not a hidden agenda of purposefully generating a late fee of {$27.00} which would be more profitable than charging percentage of the credit card. It was revealed today that every time I made a payment of {$27.00} I have been charged {$27.00} as a late fee penalty for the previous month and that was done without any Capitol professional sharing it voluntarily unless directly asked by me, as I did today. By now as of today 's inquiry and complaint by me to speak with a supervisor 3 late fees have been assessed without my knowledge and have been refused by the supervisor to be with withdrawn. Also last payment of XXXX was suppose to be scheduled to be automatically withdrawn on time from my debit card but Capital one did the opposite and failed to charge the payment allowing the account purposefully to go late again generating once again this profitable {$27.00} dollar fee. After some investigating on my end to my surprise I have seen many complaints of capital one clients claiming similar circumstances. As I called Florida Attorney General It came to my attention that many complaints are made to the Attorney General with similar claims as well. I hope for a resolution with with the respectable " CFPB '' as I hope that it will not be necessary to litigate on this unethical issue. I would like my late fees to be withdrawn and my payment date of a minimum monthly amount to be set. Thank you! XXXX XXXX XXXX XXXX XXXX XXXX