davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-03
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 received a notification on my XXXX XXXX that I had these inquiries made when I never wrote to these companies to pull my consumer report. Not only was my credit card ( social security number ) used without my written consent, for the extension of an yopen ended credit account, it was done fraudulently under a name that did not match my credit card and an address that was not real. I never received a right of recission. ( 15 USC 1635 ) let alone a finance charge which is necessary pursuant to federal law 15 USC 1605. to make things worse, this fraudulent activity wont end here, im sure they will send some sort of statements claiming I, The original creditor, owe a debt. Well, I want to make it very clear that i willl not pay that alleged debt. It makes no sense to pay money that my credit card originated. right? This headache has caused me mental harm because the Consumer reporting agencies XXXX XXXX AND TRANSUNION gave out sensitive informationg that they never had permission to. pursuant to federal statute, FCRA, my livelihood and reputation depends on the information and data that the aforementioned consumer reporting agencies harbor. Well, having those hard inquiries and extensions of credit under a mispelled name and also address that isnt even real has now caused me significant damage. my reputation and credibility have been damaged to a point where i must seek professional emotional and mental help. I will attach the FTC affidavit that was filled out. which took me more time to do off of their negligence. 

I filed the FTC report, i have now complained to the CFPB and I have my affidavit of truth with a whole lot of federal consumer right laws that have been violated. This will be the only opportunity that I will give XXXX XXXX and transunion to make it right and I invoke my specified remedy of {$5000.00} to be paid by each consumer reporting agency XXXX TRANSUNION AND XXXX, totaling {$15000.00} to be mailed out by XX/XX/2021 to the Consumer, I in Fact that you will see in the FTC affidavit that will be atttached. 

If a swift response isnt made on their end, I will continue with my affidavit of truth, citing over {$100000.00} woth of federal violations they willfully broke and my beautiful exhibits and I will notarize it and send it to the Attorney General and the XXXX and will take legal action.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

There were about {$7100.00} in fraudulent charges on my Comenity credit card which Comenity did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 Comenity said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted multiple letters dating back to XXXX XXXX, to investigate multiple items on my credit report that are inaccurate. The companies in question had ample enough time to investigate the items on the credit report. I have yet to here from them with any information pertaining to my dispute or the investigation status. I ask that the items in question are removed from my credit report as this has caused stress and hardship.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope this letter reaches you well. I am writing to dispute and urgently request the removal of fraudulent accounts from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The unauthorized accounts, reported through identitytheft.gov, have been acknowledged by the respective banks as invalid. However, the prompt removal is yet to be processed by your bureau.
Consumer complaint received 2021-07-30
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. (FL)

There were about {$7100.00} in fraudulent charges on my XXXX credit card which XXXX did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 XXXX said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX SS XXXX current mobile phone XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX/XXXX  XXXX # XXXX, account is reporting 30, DAYS LATE since requested assistance due to the pandemic. 
I have a few complaints in addition to the one above I HAVE NO RECORDS OF THE FOLLOWING ACCOUNTS this problem has come at a time when none of these companies has provided me with any documentation to verify the chain of title of ownership or proof of claim please delete the following accounts : XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2021-07-30
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. (TX)

I have previously disputed with TransUnion, XXXX  and XXXX  on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Consumer complaint received 2021-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I have a checking account at the following bank which is Citibank in where I have my savings, I only deposit money. I really dont use that account for any personal spendings mainly only for my savings. For security purposes I actually decided to lock my card since I really dont use that account. I put all my trust in citibank for my lifetime savings. On XXXX XXXX I decided that I was going to make a purchase for that account however as I went on over to look at my account and started scrolling I saw something unusual which were several checks being charged in my account I never have ordered checks for this account or even have authorized anyone to do so. I immediately called Citibank they filed a claim and required me to go to the nearest Citibank to follow steps they require to complete the claim, however I recently received a letter stating that my fraud claim was denied and their decision was based on the time interval between you first being notified of the transactions in question and the date you informed Citibank about the transactions exceeded thirty days.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX  XXXX  # XXXX, account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and the correct address at that time was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. She also stated the incorrect information is displayed on several bankruptcy cases here are all the case numbers she provided to me that had the same identical incorrect information : XXXX, XXXX, XXXX, XXXX, XXXX. I have attached a copy of the petition given to me by the clerk office.
Consumer complaint received 2021-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

On XX/XX/21, I received checks from TD bank welcoming to their bank. I never set up an account with TD Bank. I called TD Bank and spoke to XXXX in the Fraud Department who advised that I call the 3 main credit reporting agencies and freeze my social security number.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

i submitted a letter to all 3 major credit bureaus for deletion of accounts reported Pursuant to 15 USC 1681b-Permissible purposes of consumer reports In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it I, XXXX XXXX have never given XXXX, XXXX, or transunion any written consent to reports anything on my consumer report. No consent is identity theft pursuant to 15 USC 1681q ( 3 ) and i demand the removal of the accounts listed in the letter sent out.
Consumer complaint received 2021-07-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (IL)

I paid {$100.00} via bank transfer on XX/XX/2021 to purchase Dogecoin crypto on Binance.us. After the value grew, I sold {$100.00} worth and requested to withdraw that same {$100.00} back to my bank on XX/XX/2021 to cover my original investment. Binance said the transaction was processed sucessfully, but neither my bank nor my binance account contain my {$100.00}. I have contacted support numerous times over the last several months with no response.
Consumer complaint received 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In XXXX of XXXX I opened applied for an account with XXXX Credit or which is also known as XXXX XXXX. I thought that it might be a way to help out my credit score since I didnt have any credit cards at the time, only a vehicle loan. But unfortunately I was informed that XXXX Credit did not report to any credit bureau. Now however I did learn, from a recent call back to XXXX Credit, that they are now reporting So in turn I did not use the account. About a month ago I got an email from XXXX XXXXcom informing me that my Transunion score was dropped by 37 points and my XXXX  score had dropped 89 points due to XXXX Credit closing that account for inactivity. Then I filled disputes with Transunion and XXXX  hoping that those points would be reinstated. XXXX  reinstated the points but Transunion did not. 

I feel that this isnt right. I understand that closing credit accounts hurts your credit score but under the circumstances at the time of opening the account they did not report. As stated above, I recently found out that XXXX credit did not start reporting credit activity for any account until XXXX. I spoke with a Transunion representative today, XX/XX/XXXX, and was told that there isnt anything left they can do and that if I wasnt satisfied with their dispute results I could file a complaint here.
Consumer complaint received 2024-01-31
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. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have recently reported the fraudulent transactions on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX AN XXXX XXXX XXXX I noticed that you only removed them from 2 credit bureaus and not Equifax also. These were all fraud transactions and I am a victim of identity theft and would like these incorrect inquiries removed immediately off my credit report. I never authorized those accounts and my name is misspelled on the accounts. I was young and knew nothing about these transactions there is a balance of over XXXX $ in fraud trans actions with my ssn.
Consumer complaint received 2021-07-30
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: State Collection Service, Inc. (MD)

As of XXXX XXXX, State Collection Service , Inc. is still furnishing my consumer report with a derogatory mark. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. I sent State Collection Service, Inc an Affidavit of truth, Cease and Desist, and Debt Validation letter on XX/XX/2021. On XX/XX/2021 I received an itemized statement of medical services which I assume is the debt collector 's attempt to provide the " debt validation '' I requested. A bill without a signature DOES NOT validate the debt and anybody can send a bill and say it is mine. According to FDCPA, State Collection Service , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ), 15 USC 1692d ( 1 ). Enforcement of penalties against State Collection Service , Inc is covered under the penalty rules of the Omnibus Final Rule, FCRA, and FACTA. As a consumer I am requesting his account be removed from XXXX XXXX and XXXX  immediately and State Collection Service , Inc send payment for the violations I presented. If this is not resolved within the next 5 business days, I will file charges. I have been dealing with this entirely too long and will no longer tolerate this blatant violation of my rights.
Consumer complaint received 2021-07-30
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. (CA)

There is one account on my credit report that does not belong to me it is not mine I have not applied used or know who did this under my name or signed or used this account I need this off my credit report asap!!!! 

XXXX/XXXX  - Account # XXXX Amt {$2200.00} Opened XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

Hello, my name is XXXX and I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Consumer complaint received 2021-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE EMPLOYEES CREDIT UNION (FL)

I made a payment via electronic transfer directly from my checking to the my mortgage account, ( Mortgage for XX/XX/XXXX) on Saturday XX/XX/XXXX. The credit union, NC State Employees credit union, did not post the payment until XX/XX/XXXX stating that the payment was made after XXXX. That has nothing to do with the date that I transferred the payment over.
Consumer complaint received 2021-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (DC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Credit Bureaus are reporting inaccurate information on WELLS FARGO BANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (TX)

I contacted Wells Fargo, the servicer of my mortgage loan, to consider removing the PMI. I was told that I had to order an appraisal and they would send me documentation to do so. I then consented to the appraisal cost, which was quoted at {$550.00} for a XXXX XXXX  XXXX  in XXXX, Tx. It seemed high, but I was told I had no choice in the appraiser, I had to go through their company, XXXX. I did so, and paid {$550.00} on XX/XX/2021 and was told I would be contacted to set up the appraisal. 

On XX/XX/2021, a rep from Wells Fargo called, not to schedule an appointment, but to tell me that the actual cost of my appraisal would be {$960.00} and that I needed to pay the difference before anyone would come out. 

I feel there are 2 issues wrong with this scenario.

1. The cost is about 3 x what my realtor and other mortgage sources tell me it should be 2. I have no choice of appraisal companies, several of which will only charge {$300.00}. The highest quote I got from a local company was {$590.00}. 

I am told by Wells Fargo, pay up or continue paying your PMI. I do not feel this process should be legal.
Consumer complaint received 2021-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management Account # XXXX After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt.

I ask that this request for validation because I do not recall or have knowledge of this so-called debt. Please provide physical evidence that I have a legal obligation to pay you. That is exactly all I need.

Please provide me with the name of the original creditor, signed contract, the money
owed, and license number. Pretty simple items to ask for.

If you can not provide this information or fail to reply to this validation request within 30 days upon receiving the notice, this account must be deleted completely from my credit report.

I look forward hearing from you to resolve this concern. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Consumer complaint received 2021-07-30
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (MD)

I filed a dispute in regards to the incorrect items on my credit report, it had been well over 30 days and I havent received any investigation results.
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

InXX/XX/XXXX I wrote a letter in regards to my XX/XX/XXXXand at the federal level having a XXXX ocd therefore legally you can not hold my inquiries against it is out of my control. Have since been my medication and is under control I wrote all three major credit reporting companies. In regards to this and still they have not attempted to remove any of them. This is starting to aggravate my severe XXXX. Which that to I am legally diagnosed with as well and can provide verification. I only asked that they would work with me. Ive already feel terribly worthless. And Im stuck on trying to resolve this Again can not help it sometimes
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I would like to ask you to check these accounts. Because dates and information are incorrect. I sent already couple of letters but I am ignored completely. I contacted directly these companies and asked them to change and delete the accounts. I contacted Bureaus and asked them to stop poor reporting. Everywhere I am ignored. Please check these account sand delete wrong information. 

These are those accounts : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX Thank you! I hope this time it will work out.