davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
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. (MI)

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. 

Account name : XXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 2018-02-27
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: WELLS FARGO & COMPANY (CO)

On XX/XX/2018, I logged on to Wells Fargo to pay my credit card bill. Two things distressed me : 1 ) In the payment options, they have removed the amount that is on my last statement. They only have options for minimum payments due. In the screenshot, you see {$210.00} as the " total amount due '', but when I navigated back to a statement that wasn't visible on the payment screen, my amount due since my last balance was more than $ 4K. In my opinion, this is predatory. They are making it hard for me to pay my bill in full, hoping I'll make only the minimum payment due so they can make more money on interest charges. See attached. This is a recent change to a large lender and very troubling.

2 ) I wanted to see just how much Wells Fargo has changed me for late fees, so I searched " late fees '' on my account activity. It returned " no results '' even though I can see a charge in the screen shot. Again in my opinion, this large lender is hiding data about their fees thereby making it hard for me to know just how much they are costing me.

These are subtle but very concerning changes to online payment user experiences that will lead consumers to make poor decisions with regard to their credit. Wells Fargo is making fees and payment in full opaque, for their benefit.
Consumer complaint received 2024-03-15
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-10-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (CA)

This issue is documented in XXXX XXXX 's customer service system as case number " XXXX ''. 
Throughout XXXX, roughly XXXX XXXX XXXX ( XXXX ) virtual XXXX and XXXX general use prepaid cards were purchased in bulk from an authorized vendor of XXXX. The vast majority of these cards have not been able to be used as payment for purchases, as the cards are declining. 
Through XXXX of XXXX, some purchases attempted on the prepaid card accounts were declined, even though the funds on the prepaid card accounts were sufficient to cover the purchase. 
On XX/XX/2023, I contacted XXXX customer support to learn the status of the prepaid card accounts and the reason for the declined transactions, and customer support told me that the prepaid card accounts had been blocked via an automated flagging process due to suspicion that a 3rd party had compromised the prepaid card accounts, and unsuccessfully attempted to send me via email new prepaid card account details, and afterwards created a customer service case for me, and requested additional information ( phone numbers, card numbers, registered name, mailing address ) on the accounts and registration info which I provided to their email at XXXX. 
On XX/XX/2023, I received a email saying the case was resolved, and asked me to provide the same information to a different email, XXXX, and said that there would be an update or resolution within 1 to 2 business days, and then after I forwarded the information to the new email address, I was notified via email that the case was reopened. 
On XX/XX/2023, I replied to the last email received from XXXX, XXXX, for an update on the case, since it had now been 4 weekdays. I have not received a reply. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023 and XX/XX/2023, I received automated emails from XXXX with no substance, stating the case status as " Work In Progress ( Awaiting Task ) '' and " New '' On XX/XX/2023, I received an email from XXXX asking for the third time for the phone numbers, card numbers, registered name, and mailing addresses, and that a resolution or update would be provided after XXXX business days. This email was not responded to since this information was provided twice already. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023, I received automated emails from XXXX with no substance, stating the case status as " Work In Progress ( Awaiting Task ) '' and " New ''. 
On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, I received automated emails from XXXX with no substance, stating that they would provide me with an update as soon as possible, stating the case status as " InProgress ''. 
On XX/XX/2023, I contacted XXXX via phone and asked for an update on the case, and they could not provide any update of substance or a timeframe for resolution.
Consumer complaint received 2023-06-13
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. (TN)

XXXX of XXXX all three credit bureaus were notified of an account that came from a collection agency that bought a debt in my name from a rental company. The rental company leasing office burnt down which caused files to get mixed up. The state of Tennessee paid that company with Covid funding on my behalf. Before I moved. I also informed them that was not supposed to be on my credit. They also told that they were in violation of 15 USC 1681. I contacted all three bureau via phone and mail, still no resolution.
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC (CA)

THIS ACCOUNT SHOULD BE SHOWN CLOSED PAID AS AGREED BMW ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS ACCOUNT IS BEING REPORTED WITH A BALANCE THAT IS NOT CORRECT
Consumer complaint received 2022-09-13
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-09-13
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)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$590.00}
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-15
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. (VT)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc. (TX)

I filed credit report disputes and Texas attorney general consumer fraud protection complaints, police complaints and also CFPB complaints and Carmax who never contacted me or even called or emailed replied to the CFPB complaint stati9ng it is a meritless complaint though I reported this as fraud and I have fraud alerts and credit freezes on my three credit monitoring companies. XXXX XXXX 's car max reply this same day of XX/XX/23 is not honest and shows irresponsible deceptive trade practice. they need to withdraw the hard credit inquiry, and to apologize to me, and to shut down any fraud applications and mark them as fraud, and supply copies of any information for law enforcement and to reply to the CFPB that they will cooperate with law enforcement my idendity obviously has been compromised and someone is doing identity theft. carmax has been told of them and ignores it. they should be held accountable ... what delaerships, what locations, copies of pics used. etc?.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (GA)

reviewing the reports, I realized I was a victim of identity theft with Bank XXXX XXXX and Chase Bank. I also was advised to send them an identitytheft.gov report in connection with the identity theft that l 've been a victim of. I lost my identification and just ordered a new driver 's license and social security card in XX/XX/2020, not realizing someone would find it and use it to gain access to my life. Please assist with the removal of this erroneous and untrue information that I am a victim of. It is truly detrimental to the growth and lifestyle I am trying to maintain for myself and my child. Thank you.
Consumer complaint received 2024-03-15
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. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-03
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. (PA)

Transunion avoids an credit ran on XX/XX/18 with no wrong information as fraud was committed with XXXX/XXXX  XXXX  as me wrong DOB wrong Drivers LIc Number as well as Social Security # sends me some lame excuse about 2 years that has nothing to do with the issue of credit been ran on XX/XX/18 oin which is not me and why. There has been no other proof to why or nothing by Transunion to clear up the mess to why DOB, Soc sec, Drivers lic does not belong to me or my correct information. Transunion avoids to provide the right information to justify none of the information belongs to me.
Consumer complaint received 2019-01-25
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. (AL)

Equifax is refusing to remove outdated negative information from my personal credit report. There is an account with XXXX XXXX XXXX XXXX with a XXXX balance that has late payment history from 2012 indicated on my credit report. These late payments began XX/XX/12 according to XXXX. I have disputed this information with Equifax multiple times yet they refuse to delete the outdated information. They do not list a date of first delinquency on my credit nor are they able to provide a date of first delinquency when I have contacted them by telephone. 





It is my understanding on the FCRA : Late payments remain on your credit report 7 years from the original delinquency date, regardless if the payment is made and the account is current or if the account is closed and the payment is never received.
Consumer complaint received 2023-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

On XX/XX/2023 I received 3 deposits, my VA compensation, and two employers. At which time one automatically came out as it always does on the XXXX or that XXXX  is the XXXX falls on the weekend. I then made a payment to my insurance company and my sons daycare ( this is a normal payment made almost every XXXX  ), also US Bank Home mortgage ( of course they make sure they got their payment but XXXX the rest of your bills ). I lost my card that afternoon. I reported it stolen thru the app. This has happened before and Ive never had an issue. I verified all the pending charges were correct. As of Monday XX/XX/XXXX my account was fine and those charges were still pending. On XXXX  XX/XX/XXXX, the money was back in my account and the transactions reversed. This puts me in a bad position with these companies, I risk losing my insurance, having my loan considered late and having another fee for that, and more than likely getting charged return check fees by these companies. Every representative has refused to look into it or try to help. They either give me the run around, transfer me to someone else without telling me or just put me on hold until I hang up. I already know US Bank is going to come at this with some XXXX  answer. They are a horrible company.
Consumer complaint received 2019-01-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivable Solutions, Inc. (SC)

Ive been paying on this account # XXXX since XX/XX/XXXX. I were making monthly payments on the account for XXXX County Hospital to Receivable Solutions , Inc . I didn't know the date of service was XX/XX/XXXX. When I called Receivable Solutions XX/XX/XXXX about the payments they told me they are no longer collecting on this account. I told them why would your company still collect after the statue of limitations. Ive asked for my refund I paid of {$290.00}, The stautue of limitation was over XX/XX/XXXX.
Consumer complaint received 2021-09-26
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. (TX)

I submitted a dispute with equifax, XXXX, and XXXX  regarding a XXXX XXXX account. Equifax removed the account from collections and then added it back on and changed it to a charge off. They did NOT give me a notification within 5 days of this change. This is in violation of the FCRA. Additionally, XXXX and XXXX  have removed this account completely. This is now deemed inaccurate and misleading.
Consumer complaint received 2023-06-13
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-03-15
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. (PA)

A debt recently showed up on my credit report and lowered my score. The is for XXXX In the amount of {$550.00}. The debt collection company is XXXX XXXX XXXX. This debt was not previously on my credit report and all of a sudden showed up about a month or XXXX ago stating this card was opened 2023. I dont have any record of opening this credit card. I disputed it through XXXX XXXX and Transunion found it to be a valid account. I called TransUnion tooday to dispute it again and to let them know that I dont recall ever opening this account in 2023 and they basically told me to kick dirt. I dont have any records of receiving this card or any billing about this card Or about the debt itself. This literally showed up on my credit report out of the blue and I have no idea what is going on here. I would like this debt removed from my credit report. If it is not, then I need some type of proof as to when this card was opened, how it was opened, for example, over the phone or on the web, and all transaction history for this card.
Consumer complaint received 2021-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Date occurred : XX/XX/2021 Location : XXXX, Texas Approx. Time : XXXX XXXX 

Amount : {$1500.00} ( XXXX-XXXX, XXXX-XXXX, and XXXX dollars ) Details are as follows : I received a notification from my financial institution notifying me that I wire transferred the listed amount above to, an unknown receiptient. As soon as I received the notification, I immediately called Wells Fargo 's Fraud/Online ACH department to report the unauthorized transaction. The representative began a claim on my behalf, and after the case was processed the results indicated that there was no suspicious evidence to report. The financial institution claimed that I received a confirmation code to approve the transaction, but I never did. I requested official cellular data transcripts from my cell phone provider to further prove I did not receive that message but I need a lawyer and/or subpoena to acquire those documents.
Consumer complaint received 2024-03-13
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. (NY)

When I investigated my credit report, I realized that some of the information was 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.