davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-12
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. (CA)

There are over 70 credit inquiries on my credit file with transunion, XXXX and XXXX and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.
Consumer complaint received 2022-11-01
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. (GA)

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2024-03-21
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. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX has violated several FCRA laws, and they have failed to respond to any of the unlawful charges my wife and I have pointed out just as we did within this complaint. This company, is a third-party debt collector attempted to add words or reasons for charges without documentation from the original creditor. This goes against the principles of debt validation, as my wife respectfully conveyed to them. 

Furthermore, XXXX XXXX the original creditor, has also refused to respond to any form of communication, including XXXX  and CFPB inquiries. XXXX XXXX XXXX XXXXXXXX XXXX XXXX is violating the Florida Consumer Collection Practices Act by continuing to report unlawful charges! 

Moreover, this collection agency attempted to charge a fee without any legal grounds, as my wife uncovered their deceitful practices, indicating poor management and unethical conduct. 

I have substantial evidence to support every claim I've made, including evidence that this company changed the balance multiple times and violated numerous laws in doing so. I am informing XXXX, XXXX, and TransUnion to investigate thoroughly and consider all the evidence provided. 

The credit bureaus have already failed multiple times, and I urge them not to fail again, or I will escalate this matter to a higher level.
Consumer complaint received 2022-11-13
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-11-01
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: Experian Information Solutions Inc. (GA)

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX.
Consumer complaint received 2022-01-03
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: Experian Information Solutions Inc. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY (NJ)

I have checking and savings accounts with Wells Fargo Bank in New Jersey. On several occasions Wells Fargo has deleted the outside bank ( a bank other than Wells Fargo that I added as a payment source and for money transfers ) from my online account without my permission. Wells Fargo is also withholding money transfers from this same outside institution and not adding the monies to my Wells Fargo account. I believe this to be an illegal action and want to issue a complaint against Wells Fargo.
Consumer complaint received 2024-03-21
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)

Consumer revoked furnisher, XXXX XXXX  ability to report my private information to any non-affiliated third parties per FCRA and the Electronic Transfers Act. 

Furnisher response : Due to your dispute, we will continue to report your account as 'disputed ' until you advise XXXX to remove the dispute status. We report to the following credit bureau reporting agencies : Trans Union 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 XXXXXXXX They are willfully non-complying with my request and under FCRA and the Privacy Act of 1974, that is a violation. Under the FCRA, willful non-complying carries a penalty of {$1000.00}, per violation ( 15 U.S. Code 1681n ). My privacy is being violated by the furnisher and the non-affiliated third party agencies listed above. Please remove the trade line. 

Each month after the date of XX/XX/XXXX that XXXX XXXX  continued to report is a willful violation on their part and any third party reporting my private record. 
5 US Code 552a.
Consumer complaint received 2022-11-13
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: WELLS FARGO & COMPANY (FL)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 states section 604 A section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit report plan as late for any purpose. 

Wells Fargo Card Services
Consumer complaint received 2024-03-21
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: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-21
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am reaching out to request an update of my personal information with XXXX, XXXX, and TransUnion. Recent changes, including updates to my name and address, require alignment with my current identification. Despite previous attempts, discrepancies persist. Ensuring accurate information on my credit reports is essential for my financial well-being. Your assistance in rectifying this matter promptly is greatly appreciated.
Consumer complaint received 2023-01-26
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)

On my Equifax credit report, my Name is listed as XXXX XXXX XXXX with a social security number of XXXX. This is not my name or social security number. My name is XXXX XXXX with a social security # of XXXX
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (GA)

On XX/XX/2022 hard inquires was pulled from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge , I sent dispute letters 2 months ago but have not gotten any response back from the creditors.
Consumer complaint received 2023-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC. (TX)

I transferred XXXX into my Robinhood account onXX/XX/2023. 
Today, XX/XX/2023, Robinhood sold all my XXXX without my consent or any notification at all. I received emails after the transaction occurred. In addition, they wont allow me to transfer out my available funds of {$4100.00} to my linked bank account. 
I have tried many times to contact RH customer service, but they do not have anyone to answer the phone, the only way is to email them, the Chat doesnt work either. All of their customer service reps are overseas, VERY DIFFICULT to reach and communicate with. 
I emailed them again to request account deactivation and all my cash of {$4100.00} to be transferred to my bank account, still no response.
Consumer complaint received 2021-02-13
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: EQUIFAX, INC. (PA)

I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

After doing a minor audit I found a fraud charge I then immediately reached out to file a claim which was denied in a letter sent to me saying that because I make my payments on time this must not be fraud this is not right in my opinion as just because im in good standing with my credit card company. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

My experian credit report has my birth year as XXXX when it is XXXX as well as am address at XXXX XXXX XXXX in XXXX XXXX florida that i have never lived and an address for XXXX XXXX  XXXX XXXX XXXX XXXX florida that is an error of my current address at XXXX XXXX  XXXX XXXX XXXX fl.
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

For the past 4 months I have been having issues with Transunion getting my credit score. Everytime I called, the agent would pull up my sister 's credit file and confirm is mine just because we share similar name and share the same mailing address. However what they have on record is my sister 's credit file and not mine, and they somehow updated her information with my name. When I asked the agent to reconfirm my name, social security, and date of birth is when they realize is not my credit file is my sister 's due to difference in social security number. Both XXXX  and XXXX  were able to update my personal information and my credit score with them would be provided to me. I have been calling Transunion about this issue, and it ends up Transunion does not have a credit file under my name/Social security number/date of birth. The only way they would create a credit file for me is if I send them a copy of my social security card, birth certificate, and driver 's license, and also a letter stating the issue and how I would like to resolve this. I mailed the letter and the personal information to Transunion four times, with first time no tracking number, second and third time with just tracking number and the fourth time I included signature request and tracking number. However, the agents there claim they never receive any of my letters or packet but I confirmed with USPS who is my mail carrier, and USPS confirmed my letters were delivered. So far, this has been a back and forth waiting game with Transunion, and its holding me back from qualifying for a mortgage loan. 

Below is list of dates I mailed out the letter, my driver 's license, social security card, and birth certificate : XX/XX/XXXX : no tracking number included XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX : Delivered status shown in Product Tracking attachment provided by UPSP XX/XX/XXXX - USPS Tracking Number : XXXX Below is my file numbers with Transunion in regarding this issue : 1 ) XXXX 2 ) XXXX
Consumer complaint received 2021-02-13
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: Experian Information Solutions Inc. (PA)

I initiated disputes, on different occasions, in writing and online in order to have an item corrected on my credit file. I provided the credit reporting agency ( Experian ) with the necessary documents needed to dispute. 

The creditor is XXXX Account # XXXX. The credit reporting agency ( Experian ) has refused to properly investigate my dispute. Instead, they have notified me that the dispute has been updated with no corrected data or addition of previous incomplete information. 

The information Experian has provided in relation to this account is not complete or accurate. I have a right to have this information updated accurately and completely, or permanently removed. This remedy is afforded to me in the Fair Credit Reporting Act ( Sect 611 ) Experian has failed to properly investigate/reinvestigate my dispute as follows : 1. Failure to provide me with the information used to determine the result of their investigation. They have not provided any proof. ( FCRA, Section 609 ) 2. Failure to properly investigate my credit file dispute ( FCRA, Section 611 ) 3. Maintaining inaccurate and incomplete information onto my credit file after investigation ( FCRA, Section 611 ) 4. Failure to consider all relevant information regarding my dispute ( FCRA, Section 611 5. Ignoring the treatment of inaccurate and unverifiable information ( FCRA, Section 611 )
Consumer complaint received 2021-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MD)

ACCORDING TO BJ 'S Comenity Mastercard, my full payment of the balance of {$110.00} due by XX/XX/XXXX was received on XX/XX/XXXX ; that is, they claim, 3 days late. Therefore, I was charged a late fee of {$35.00} on my payment, plus interest of {$2.00}. The late penalty, in other words, was more than 33 % of the actual amount owed. 

I protested by telephone on XX/XX/XXXX, and was told by three successive representatives at Comenity that this charge could NOT be waived even in the midst of USPS difficulties caused at least in part by Covid-19 because I had made a late payment 11 months earlier. In light of such unreasonableness in the midst of a PANDEMIC, when postal services are beyond a persons control, I told the representative to cancel my Comenity BJ Perks Mastercard. 

I then mailed a check for the entire amount billed including that disputed late fee - {$260.00}. 

I RECEIVED NO BILLS AFTER THAT, and assumed the matter, as well as the account, was closed. However, two bills showed up in my mailbox this week on XX/XX/XXXX. NEITHER ENVELOPE DISPLAYED A POSTMARK INDICATING THE DATE OF MAILING. 

One bill claimed my XXXX payment of {$260.00} had been received TWO days late, on XX/XX/XXXX. I was AGAIN charged a late fee of {$35.00}, plus interest of {$3.00}, all of it due by XXXX, XX/XX/XXXX, which obviously was impossible, since I didnt receive it until XX/XX/XXXX. 

The second bill added a {$37.00} late fee for nonpayment of the late fee in the prior ( UNRECEIVED ) BILL, for a total of {$75.00}.
Consumer complaint received 2023-02-18
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. (CT)

I have submitted personal request about ongoing issues of multiple inaccuracies on my credit report. I have asked for proof of validation of debt with my original documentation. I have provided direct discrepancies from reportings of late payments. I have asked for a collection item to be removed off my credit. XXXX has deflected by sending me this email, even though my request was signed by me personally with my identification. 

My request is as follows Correction to my name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, CT XXXX No XXXX history I requested to have multiple late payments removed off my credit report from the department of education that went from on time payment and then to 90 days late on six accounts. 

I asked to dispute late payment reporting on XXXX XXXX XXXX XXXX. XXXX XXXX and XXXX. 

I asked for proof of verification and also requested validation of debt. 


This is not my first request this is my last and final request before I bring forth action.
Consumer complaint received 2024-03-21
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. (IL)

On, or about, XXXX, I mailed, uploaded and called both Transunion and XXXX about an account on my consumer report that were unverified and invalidated with the intent to get the accounts deleted based on these findings. Both Transunion and XXXX then replied back to me, Transunion via letter and XXXX via online app, that the account was indeed verified and updated. However, there are inaccuracies in the reports as noted in my uploaded pics of the " updated '' account in my consumer profile. I am aware of the rights granted to me by the FCRA, specifically 15 USC 1681a which speaks on the duty of the consumer reporting agencies to report accurate information. This account is not accurate in multiple ways as shown in my uploaded documents. Please see attached files.