davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
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. (CA)

I have filed disputes through XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I filed another claim on XX/XX/XXXX through XXXX XXXX but it was canceled against my will. Those claims were all verified as received by Transunion when I called multiple times. I filed another claim directly through Transunion XX/XX/XXXX. All of my claims were rejected. I have called Transunion numerous times, and when I speak to a representative every time they have told me that because I have no proof of the loan being paid off they won't close it. I was even told by a representative that it will automatically drop off after 6 months and that at that point I can resubmit another claim. I have called the creditor directly and they said there is no way to send a payoff confirmation and information is automatically sent to the creditors. My account with XXXX was updated almost immediately, I don't know why Transunion refuses to update my information even after paying off my loan 9 months ago. My credit has been effected by this, and there is absolutely nothing I can do myself to fix the situation. Transunion refuses to work with me, and even gave me an attitude and hung up the last conversation I had with them.
Consumer complaint received 2021-12-28
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. (MD)

On Monday XX/XX/2021 at XXXX ( EST ), I received XXXX emails from XXXX XXXX bank confirming opening of both a checking account and a savings account. Both accounts were opened fraudulently. XXXX XXXX Bank ( and Transunion - read below ) allowed both accounts to be opened even though I have identity theft flags on my credit reports which I updated through the CFPB consumer portaXXXX in XXXX ( 2021 ) as a result of XXXX allowing a checking account to be opened. I immediately called XXXX XXXX and was transferred to a rather combative CS Manager in XXXX XXXX  's fraud department who went so far as to say to me ( on a recorded call ) that " [ he ] didn't have time to stay on the phone '' when I began asking him questions about how the account was opened?, was it opened online or at a branch?, what proof of identity was provided to open the accounts?, how were the accounts opened when I have identity theft flags on my reports as a result of the XXXX XXXX  ( and considering I updated the identity theft flags notifying all three credit bureaus that fraudulent accounts were opened )? He said I would receive a letter in the mail in 7-10 days but claimed, contrary to FTC regulations XXXX that XXXX XXXX  would not provide me the information of how the accounts were opened, what identity information was used to open the accounts, what federally mandated ID was provided to open the accounts, etc... XXXX XXXX  you will provide me with the information about how the accounts were opened. I ask the CS manager who 'approved " the accounts being opened and he specifically named Transunion ( again, this is a recorded call ), thus Transunion XXXX has twice now, first with XXXX and now XXXX XXXX bank, within a 6-month period, approved fraudulent accounts being opened, EVEN THOUGH ALL THREE OF MY CREDIT REPORTS ARE LOCKED and even though my credit reports have been flagged for identity theft since I received notification of the XXXX XXXX  breach... 

I spent nearly XXXX hours at a XXXX branch, thus face-to-face and with the Branch Manager, being put through the hoops to open accounts because of the identity theft flags, YET TRANSUNION has, twice XXXX approved online accounts to be opened. 

I am adding XXXX and XXXX to the complaint for notification purposes.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (IL)

i am not able to see my accounts in Equifax from XXXX  XXXX. 
it is showing in my phone that it hasn't been updated since XXXX of 2018. 
i had to call them and open up about 8 dispute to fix everything including my name S.S and date of birth, after I did all that there still an issue and i am not able to see my accounts and I am not able to apply for home loan because all the banks telling me there is an issue with Equifax. when i call Equifax they say everything is okay on their end. but when i receive a letter from Equifax my name is still wrong on it. i have been trying to buy a single family house for me and my family but i am not able to because if Equifax. I've sent them my S.S card picture my D.L picture and any other documents that they asked for. the problem is still not fixed. I've ran my credit about 3 times because they told me it was fixed when it wasn't. my score went down from XXXX to about XXXX because of it. 
please help. 

attached is what i sent to them. and what i got back from them. i am also attaching what i got when bank ran my credit,
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A fraudulent account was opened in my name in XXXX XXXX XXXX XXXX. This was identity theft. I sent in previous documents reported to law enforcement and XXXX XXXX  removed the account and then put the account back on my credit report. I contacted the fraud department on XX/XX/2023 and the representative confirmed that the account was removed and then put back on my credit report. This information was provided to me from the XXXX XXXX representative on a recorded line and Iwould like this fraudulent account removed.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I disputed late payments on my XXXX, XXXX and XXXX credit report and provided proof that the original creditors were contacted, and the late payments remain. XXXX, XXXX and Equifax are in clear violation of my rights as a consumer. I sent over a letter received from XXXX on XX/XX/2021 advising that all late payments should be removed and as of today XX/XX/2021, they remain. I sent over a letter sent to me from XXXX / XXXX stating to discharge and remove any late payments and as of today XX/XX/2021, they remain. The below listed accounts have not been resolved and late payments still remain : Account Name : XXXX Late Payments : XX/XX/2021 and XX/XX/2021 Account Name : XXXX Late Payment : XX/XX/2021 Account Name : XXXX  XXXX Account Number : XXXX Late Payment : XX/XX/2021 Account Name : XXXX XXXXXXXX Account Number : XXXX Late Payment : XX/XX/2021 2021
Consumer complaint received 2021-12-28
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Nelnet, Inc. (OH)

On XX/XX/21, I discovered ( thru XXXX XXXX ) a student loan listed ( opened on XX/XX/21 ) on my credit report which I had not opened. Student loan is for {$10000.00}. There were no hard inquiries or any other items that would have notified me of the load. I contacted Great Lakes ( the lender for this loan ), but customer service was unable to help me because I did not have needed information to confirm my identity ( because the name used on the loan was my name before marriage and the address used was one I haven't lived at for 35 years ). I asked for the fraud department number and called them. They were able to tell me the name and address used, and the school receiving the disbursement ( XXXX XXXX ). I have filed a police report and requested a Loan Discharge Application form from Great Lakes, and am in the process of getting everything together for that. I have locked my credit reports ( although with no hard inquiries made, I'm not sure if that will help at all ). I have contacted my bank to let them know & to note the info in my account in case something suspicious takes place with that account.
Consumer complaint received 2021-12-28
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. (VA)

Multiple credit disputes were filed with the XXXX credit bureaus ( Equifax, XXXX, XXXX ) regarding a car loan with XXXX. The account has been closed and paid off with XXXX  ( XX/XX/21 ) and yet it is not reflected on my credit report. In each dispute with the credit bureau, loan payoff documentation was provided. 
Equifax ( file # XXXX on XX/XX/21 and XXXX XX/XX/21 ) XXXX XXXX file # XXXX on XX/XX/21 ) XXXX ( file # XXXX on XX/XX/21 ) Additionally when the results came back I sent letters to all XXXX bureaus with a consumer statement on XX/XX/21 and it is still not appearing on my credit report. I fought with Equifax on XX/XX/21 and they admitted they got the statement and stated that it was added but refused to address the issue of the incorrect information added in XXXX on my credit report. 

I have been unable to contact XXXX XXXX or Equifax as they do not allow options to speak to someone. Just seeking assistance is getting the consumer statement and information updated to my credit report.
Consumer complaint received 2024-03-11
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2021-12-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

Scammers, posing as XXXX XXXX, fooled me into sending them {$35000.00} from my TD Bank checking account leading me to believe that I had mistakenly instructed its computer to " refund '' me that money. They showed my TD bank account with that deposit and an account that now held {$76000.00}. I learned on the next business day that it had wiped out my checking account. I was left with {$150.00}. That employee did not tell me that if the transfer goes through i would be left with that amount. It would have exposed the scam if that information was shared with me. It should have. A simple bank procedure. He failed at his job and I became a victim. The bank claims that it did nothing wrong. 

The bank employee failed to spot that this had all the earmarks of a scam. He failed to ask me the name of the person that i am sending this money to in XXXX. The bank claims that I told the bank employee when asked why i was sending this money, the reason was " funds to family member for medical reasons. '' I should have been asked the name of this so called family member. I am not XXXX and have no relative sin XXXX. The bank claims I said verbally ( hearsay ) but did not put that writing for me to sign and no other questions were asked. No due diligence. XXXX XXXX XXXX and XXXX XXXX XXXX advocated to the bank in meetings, press conferences, TV coverage ( twice ) and correspondence to the bank 's CEO that the money should be restored. The bank responded that it would set a dangerous precedent if it restored the money it would have do the same that for all other complainants. My local bank manager exclaimed " it happens all the time! '' What does the bank do to protect its customers. Does it have an obligation? Was this employee trained to spot a scam and how to avoid? Apparently not. 

Please help.
Consumer complaint received 2021-12-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (OH)

On XX/XX/XXXX I had an emergency with an infected XXXX requiring me to be transported ( insisted by XXXX XXXX ) to the Hospital via XXXX XXXX XXXX XXXX ( aka XXXX XXXX ). 
Total charges were {$8300.00} which were negotiated with my insurance company XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ) to {$6300.00} which was paid by XXXX XXXX to XXXX XXXX. 
I was told by XXXX XXXX that the bill was satisfied and that I no longer owed XXXX XXXX any further monies. This was also confirmed in a phone call on Wednesday XX/XX/XXXX with both XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX XXXX  ). XXXX also assured me that this would be removed from my credit report. 
I immediately disputed this information which is being reported by Wakefield & Associates to XXXX, even providing documentation showing the original Explanation of Benefits ( EOB ) and original Collection Letter received from XXXX XXXX XXXX with handwritten notes dated XXXX per phone call with XXXX from XXXX XXXX that they paid {$6300.00} for the ambulance service and that I did now owe {$1800.00} to XXXX XXXX ( I later found out this was the ambulance company even though payment was billed through XXXX XXXX and XXXX did pay XXXX XXXX  ). 
XXXX has sided with Wakefield & Associates despite my proving I do not owe these monies, and I need your help because XXXX XXXX ( as XXXX promised ) has not removed this from my credit report ( XXXX XXXX billing Phone # : XXXX ). 
Wakefield & Associates ( Phone # : XXXX ) is now stating on my credit report that the amount owed is {$1900.00} which is insane, and highly inflated since I do not owe anything. 
I have sent them a letter to their address on file at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX to stop calling my home which they have not honored either. 
I please need your help because I have exhausted all of my options : the insurance company states this is paid and I own no further monies, and XXXX XXXX states this is paid and I owe no further monies, yet XXXX is still allowing this company to ruin my good credit and I have nowhere else to turn.
Consumer complaint received 2024-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

On XX/XX/XXXX the account was locked out for transition to a new service process. Since that day, i can not access any loan information, nor make a payment. YET INTEREST IS STILL ACCRUING DAILY. 
I was told i can mail in a check, while the interest accrues daily waiting for it to cash, ( XXXX weeks ) or wait another XXXX weeks, while interest accrues daily to maybe, hopefully get access to the new servicing website. 
THEY SHOULD CREDIT DAILY INTEREST FROM XX/XX/XXXX THROUGH COMPLETION OF THIS TRANSITION. I'm being robbed with XXXX defenses.
Consumer complaint received 2021-12-28
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 previously disputed with XXXX, XXXX and Equifax 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 reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2024-03-11
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. (CT)

In accordance with the Fair Credit Reporting act XXXX XXXX # 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 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 2021-12-28
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. (MD)

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. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by XXXX Credit Bureau. Sending them a Complaint last time and I have not received any response up to this date. Therefore, XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the concerned Inquiries that needs to remove : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX
Consumer complaint received 2024-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc. (MO)

We received a gift card for XXXX. XX/XX/XXXX we used the card at a fast food restaurant and the amount taken was more than the receipt. Then at XXXX pm the same day the balance was spent at XXXX department store in NY. We live in the Midwest. I contacted Vanilla Gift Card XX/XX/28 and was advised I would have to call back in 7 days. When I questioned her why this couldn't be handled today. She said the pre Auth has to come off and they will only refund money given back from the retailer. I was questioning why we had to wait when the money was already gone and she hung up on me.
Consumer complaint received 2024-03-11
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. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Consumer complaint received 2024-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FISERV INC. (NY)

TRS recovery services sent multiple letters stating owing XXXXXXXX XXXX payments for items. They also only said I had to pay these and had 30 days to write them but I didnt receive anything else prior to them or with these letters verifying this debt. They also left a voicemail stating they will sue me if I dont pay
Consumer complaint received 2021-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MI)

I have had a Target Red Card for over ( 2 ) years now. I have NEVER been late on a payment that was ( 30 ) days late. I signed up for Target Red Card e-statements, and I have NEVER received them. In XX/XX/2021 I initiated a payment for the full amount due to be processed on XX/XX/2021. Target Red Card NEVER initiated that debit from my account, they NEVER sent me an e statement, and NEVER informed me that the payment did not process. The only reason that I know the payment did not process is because I received a 30 day late on my credit reports. As soon as the 30 day late hit my credit reports, I logged in and made an additional payment and paid off the balance.