davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-06
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 have credit monitoring. Well recently some hard inquiries have shown on my report that were not there previously. I did n't get a notice that they were going to be added back on. I have called the companies and they say I have to call the credit agencies to resolve it. I call the credit agencies and get a foreign person that says they can not help me I need to call the business. At this point I am frustrated because I am trying to upgrade in home for my kids and this is keeping my scores down. I need them removed. I also know that there has been some reported glitches in more than one of the major credit reporting companies and I do n't understand why end of last year the inquiries were gone the re appeared this year just does not make sense, then to bring my score down in points is devastating in the least XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX XXXX XXXX X/XX/16 XXXX XXXX X/XX/16 XXXX X/XX/16 XXXX X/XX/16 XXXX XXXX X/X/16
Consumer complaint received 2022-09-25
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. (DC)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-06-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

on XX/XX/2023 Wells Fargo closed my CD account which had {$250000.00} and it and failed to notify me that they closed the CD. When I called customer service on the XXXX of XXXX, I spoke to three different representatives who all said that they were not able to help me including two different members at the executive office. Both of these calls were recorded. The last rep ended up hanging up on me when I didn't except that they couldn't help me. I then went to the local Wells Fargo branch in XXXX XXXX in XXXX XXXX, where I had originally opened the account. The gentleman who opened my account was no longer employed by Wells Fargo, but I spoke to the branch manager. After four hours sitting with the branch manager and him explaining that my account was closed due to an invalid address, he refused to release my funds and they are still holding all of my money since XX/XX/XXXX. Since I was very vocal about this inside the branch, to other customers came up to me and provided me their contact information and wanted to find out the resolution to the issue of Wells Fargo not releasing my funds to me. Upon telling one of these customers that my funds are still being held hostage by Wells Fargo and they have no clue where my money is and won't do anything to help me retrieve my money, this customer decided to close their bank account with Wells Fargo. Upon her attempting to do so, one of the employees named XXXX ( XXXX ) mentioned to her that my account had illegal activity it and that's why my account was closed. This is a gross violation of the Gramm-Leach-Bliley Act ( https : //www.ftc.govXXXX ) too disclose any information about my account whatsoever to a non-related party let alone a complete stranger, and to blatantly make up a lie to slander me in an attempt to save another customers account. This customer has told me they're willing to provide a sworn statement and affidavit of the facts and what that teller said to her about my account. I have contacted several attorneys in relation to this as today is the XXXX and I still don't have my funds released to me and my local small business needs to make a large purchase, I am without liquidity because my money was stolen from me by wells fargo, I'm not earning any interest on the phantom funds that have disappeared, and no one has any sense of urgency to attempt to get my money back. I plan on visiting the bank today again to attempt to get my funds and file a police report if they deny me. Audio and Call recordings available as well.
Consumer complaint received 2023-03-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (MN)

Medcredit it called a week ago for a debt for XXXX XXXX XXXX. I have never heard of XXXX XXXX XXXX so I XXXX several version. Nothing in my state or area. Mostly in XXXX and nothing familiar to me. I called the number and told them I did not know XXXX XXXX XXXX. She said thank you and hung up. Odd I thought. 
Received another call - Came in with no caller ID, no number. Left similar automated message. I called back. Gave them my name and phone number. They started to ask for personal data. Address, date of birth... I said I was not comfortable supplying personal data and please let me know the location of XXXX XXXX XXXX because I have received nothing from them, no them or received anything from MediCredit. She refused to share any of that data without my personal data. I explained I do not know you, no caller ID and you could be anyone. Now I am calling them back with XXXX details from the phone they called. Seems that is all they should need. She refused to give me any further information. I again explained, I want to clear this matter up. She refused my request without giving them personal data. She refused to give me the business address, just a billinb address. I am stuck here with no resolution.
Consumer complaint received 2023-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc. (MD)

I originally had a credit card with XXXX XXXX XXXX for several years. Always paid with autopay each month and the payment/balance were usually around {$10.00} or less. 1 charge each month to keep it from being stagnant and always paid off. The account apparently got transferred to Comenity Bank and I never received anything on the transfer. Nothing in the mail or anything. I finally received a phone call when the account was 90 days past due with a balance around {$43.00}. The autopay never transferred, and I never knew anything about it until I received that call. I immediately paid the balance in full and asked if this would affect my credit. They assured me it wouldn't as now you're paid in full. I was a little skeptical and asked to speak to a manager. Eventually the phone hung up in the transfer to a manager. I eventually received an alert that my credit score dropped. It dropped big time to say the least. You can look at my payment history and see that it was paid on time 100 % of the time with every account. I am asking that this issue gets resolved and my credit score and payment history goes back to 100 % on time. Thank you
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. (IA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$8000.00}
Consumer complaint received 2024-03-13
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. (NJ)

I recently examined my credit report and uncovered fraudulent accounts damaging my creditworthiness. I urgently request the removal of these accounts to restore my credit standing. I attached the documents with those accounts below.
Consumer complaint received 2019-07-27
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. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX   The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2023-02-28
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: Experian Information Solutions Inc. (IL)

XXXX XXXX, accessed my report without my permission which is a violation, pursuant to 15 USC 1681n. They put inquiries on my report on 3 dates ( XX/XX/XXXX ), ( XX/XX/XXXX ) and ( XX/XX/XXXX ). This has affected my credit. By these violations, Pursuant to 15 USC 1681n, I am entitled to {$1000.00} per violation.
Consumer complaint received 2023-10-25
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. (GA)

I sent a letter to remove items that are UNKNOWN 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 any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-12-06
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

did not remove these fraudulent inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX  XXXX XXXX Inquiry from JXX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + XXXX
Consumer complaint received 2023-03-07
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: I.C. System, Inc. (TX)

i have disputed this company ic systems before, it has showed up on my credit report before then i disputed that. then is reapperad as allied collection systems in which i reported to you all as well. so its like these two companies keep buying and reselling information thats inaccurate and without anyones consent. at one time they were both completely gone from report and now its reappeared.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Date:XX/XX/19 Time:XXXX Citibank ATM ID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY I called and indicated that I deposited 3 checks totaling around {$1200.00}. The bank said it will investigate and will take 10 business days. I have few payments that need to be processed and some check payment will be bounced because my account will have a negative balance but the bank said they cant do anything annoy it because of the system issue. This bank is a global bank so how could this happen? I had similar issue with XXXX last year but they were able to temporarily reverse it so that I dont have to be in such situation that I encounter additional fees since it isnt my fault.
Consumer complaint received 2022-09-01
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. (TX)

XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, 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
Consumer complaint received 2022-09-25
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 have contact all 3 credit bureaus about the unauthorized inquiries on my credit report. First by mail and even online disputes. This process has been repeated several times. To my dismay my credit report still reflects these unverified and unauthorized items, that I did not give my permission to obtain.
Consumer complaint received 2023-03-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Back in XX/XX/2022, a scammer had me transfer XXXX from Bank Of America to XXXX XXXX XXXX  with a promise of investing it. The service never provided me money and kept asking for more. The scammer used the web site lead-assets.com to run their operation. BOA looked into it but said since I sent the money and it was not stolen out of my account, they are not liable.
Consumer complaint received 2022-09-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # s - XXXX, XXXX. 
- XXXX. XXXX XXXX. 
- XXXX XXXX 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
Consumer complaint received 2022-09-24
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: Experian Information Solutions Inc. (LA)

I mailed US post letters to the Credit Bureaus of Experian, XXXX, and XXXX XX/XX/2022 about responding to inaccuracies that is affecting my creditworthiness. I followed up 30 days later for update of letters, with no responses.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Date XXXX  RE : Request Investigation of Credit XXXX on My Behalf SSN XXXX While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX
Consumer complaint received 2022-09-01
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. (IL)

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 an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX
Consumer complaint received 2022-09-24
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am trying to get my wifes XXXX XXXX applied to my account. I am the secondary account holder. I have been complaining and disputing that they need to add this to my account. Transunion is the only one not complying. XXXX and XXXX have complied up to from XXXX to XXXX. Transunion refuses to fix it I have disputed with the as early as XX/XX/XXXX. I disputed for up to 6 months. Nobody took me seriously. I am fed up I contacted XXXX several times and they say contact Transunion. Nobody wants to fix this. Transunion is refusing to listen.
Consumer complaint received 2022-09-24
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. (NY)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.