davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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. (OH)

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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have 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 2021-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX late 30 days somewhere between XX/XX/XXXX and XX/XX/XXXX is incorrect. The charge was unauthorized and I was not properly notified.
Consumer complaint received 2024-03-06
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. (AZ)

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX Balance Owed : {$0.00} Please update this accounts payment history it was very confusing. Please REMOVE the LATE MARKS on this accounts payment history. I did not pay late. In addition please provide evidence that the following items belong on my report and that my rights have not been abrogated. In the event that no record exists, please UPDATE the inaccurate account information as quickly as possible.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (ID)

I looked at my credit report last week and saw that a Jefferson Capital Systems ( XXXX XXXX XXXX XXXX XXXX, MN XXXX, # XXXX ) put on my credit report that I owe {$530.00}. 
This organization has never contacted me and I do not know what this is for.
Consumer complaint received 2022-02-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, I authorized a wire transfer of {$1000.00}. XXXX from my checking account to a recipient in XXXX with Chase Bank. They didnt send the money until XX/XX/2022. However, after the XXXX business days, the money was not received by the recipients bank in XXXX. I contacted Chase customer representative and instructed that the wire transfer be recalled. Since XX/XX/2022 nothing happened. They should recall the wire transfer.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I've tried several times to have inaccurate information deleted from my credit report, but to no avail. The accounts referenced in the complaint are not mine. After submitting more documentation to prove my identity, I requested that the credit bureaus investigate and update my reports with the correct information, but they have yet to react. Not only are the accounts inaccurate, but they also report on each report in a different way. Account numbers and balances are not only unfamiliar, but they also do not adhere to the standards governing accurate and consistent reporting. Please help me.
Consumer complaint received 2021-10-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports :
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2022 I placed a security freeze on all three bureaus along with a security alert, due to suspicious activity from monitoring services. Experian, however, sent an email confirmation with the name XXXX XXXX and my name is XXXX XXXX. I have never been associated with that name and when performing the security freeze over the phone, it was not a live individual when asking for verification. I was trying to fix this, but in order to do so I have to lift the freeze and it will still not let me speak to a customer service representative to sort out the issue. I have called 2 different numbers found for Experians customer service line. Their online system and phone fail to help me " self-resolve '' the issue. I understand this, then they should add a section in the phone or separate customer service or chat option to help with these matters. I just do not want the freeze removed yet until I can confirm why they have an incorrect name in the first place. Please assist.
Consumer complaint received 2024-03-06
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. (TX)

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  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-28
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE (CA)

Hi, I transferred my money from XXXX XXXX XXXX to my account in XXXX XXXXXXXX, XXXX on XXXX XX/XX/2021 ( XXXX IST ) thru western union - XXXX number XXXX. ( tracking number ) Today XX/XX/2021, money has not been transferred yet to my XXXX bank account, which is supposed to deposit on XXXX XX/XX/2021. 

I called so many times to westurn union customer care about transaction status, nothing happened, no action or no email, no communication from western union. only case has been raised ( XXXX XXXX XXXX XXXX in western union system. I paid almost 8 time more transaction fee ( approx. {$24.00} ) than usual transaction fee ( {$2.00} ). 

I am really frustrated with western union customer care service, gave different time line to resolve issue, someone say it's take 24hr or it may take 2 month so on & on. 

Please help me to resolve this disputed transaction on priority. I am in need of my money back to my account asap. 

,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, Payment Information : Card Type : Visa Card Number : XXXX Expiration Date : XXXX XXXX XXXX : XXXX Transaction Type : Purchase Payout Information : Today 's Date : XX/XX/2021 Date available in Final Receiver 's Country : XX/XX/2021 Delivery Method : Final Receiver 's bank account Billing Summary : Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Promotion Discount : - XXXX USD Total : XXXX USD Transfer Summary : Exchange Rate : XXXX USD = XXXX INR Transfer Amount : XXXX INR Total to Final Receiver : XXXX INR For all transfers, Final Receiver XXXX receive less due to foreign taxes. For transfers to a bank account, XXXX XXXX XXXX also receive less due to fees charged by the XXXX XXXX 's bank. 

You have a right to dispute errors in your transactions. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the XXXX XXXX at XXXX or https : //care.westernunion.com/us/en/ask. You can also contact us for a written explanation of your rights. 

Subject to applicable law, you XXXX cancel for a full refund within XXXX minutes of payment, unless the funds have been picked up or deposited. 

For inquiries or comments, please visit https : //care.westernunion.com/us/en/ask, e-mail XXXX XXXX XXXX XXXX to : XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX XXXX call : XXXX For questions or complaints about XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX ( TTY/TDD ) www.consumerfinance.gov
Consumer complaint received 2019-10-09
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. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2021-03-10
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. (GA)

XXXX XXXX XXXX Reported :XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1200.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} XXXX XXXX XXXX Reported : XX/XX/2021 {$1100.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2024-03-06
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. (TX)

This is a formal complaint that Transunion has been reporting inaccurate and incomplete account information to my credit file. I am distressed that Transunion have included the referenced inaccurate information on my credit profile. Transunion have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit information they report. This account has been paid in full with letter of deletion From National Credit Audit and should not be reflecting negative on my credit files. National Credit Audit has also expressed Efforts in reaching out in regards to this matter with no response in return. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), XXXX may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Violations of 15 U.S.C 1692g Delete this from my report as it is not accurate. This is affecting my efforts in gaining residency.
Consumer complaint received 2021-03-10
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: EQUIFAX, INC. (LA)

I submitted a dispute regarding these accounts in XXXX. I had no knowledge of them and I am requesting that they be deleted from my credit report. I have not heard back from Equifax and I don't know why this is taking more that the alloted 30 days. 

XXXX XXXX {$2500.00} XXXX XXXX {$650.00}
Consumer complaint received 2018-06-30
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)

This is my 4th time contacting you about XXXX reporting inaccurate information as it continues. They are reporting an address that's incorrect XXXX XXXX XXXX XXXX GA XXXX. If this property was sold in 2017 how is this reporting as my current address. This is completely false information that is affecting my credit as well as inquiry being reported that were never made by me. 

You can contact me about this matter XXXX XXXX
Consumer complaint received 2022-02-07
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I deposited a check from my school into my checking account via Wells Fargos mobile bank deposit. 
On XX/XX/XXXX My car was broken into where the check was located and it was stolen. 
On XX/XX/XXXX Wells Fargo notified me that the check had been deposited twice and the amount of the check was debited from my checking account. I immediately filed a claim/dispute. I also filed a police report because I did not know anything was stolen from my vehicle until they notified me that the check was deposited more than once. 
On XX/XX/XXXX I received notification of the resolution of my claim. Which only stated that my check had been deposited into another Wells Fargo customers account and they would not be restoring the funds to my account. I called and escalated the claim and they told me since my initial deposit was via mobile deposit and the second deposit was using the physical check there was nothing that they could do. Even though the check was written out to me and endorsed by me and matching the name on my bank account. 
It is now XX/XX/XXXX and Ive tried to escalate multiple times offering to provide proof of the police report and everything and I just keep getting the same response. Wells Fargo was my first bank and Ive been with them since XXXX. Absolutely disgusted with how they have handled this situation
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am submitting this complaint personally. Regardless of the multiple written requests, the accounts listed below are still reporting on Equifax in violation of Federal Law. Equifax failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statute. These need to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX The following account is not mine XXXX Account Number : XXXX
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (TN)

XX/XX/XXXX, I opened an account with Santander Auto Loans for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manager. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from Santander and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by Santander XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. 
Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com
Consumer complaint received 2022-02-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (WI)

Opened account in XX/XX/XXXX. With {$1000.00} in purchases over 3 months we were to receive a {$200.00} bonus. Over 2 months we spent {$3000.00}. The account was closed in XX/XX/XXXX with no explanation and the {$200.00} bonus was not paid.
Consumer complaint received 2018-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

{$5900.00} my card was lost and stollen and they did not close it when i called mulitple times and my card got maxed out. I have never maxed out a card in my life and had perfect credit until this happened. I am a XXXX XXXX XXXXXXXX and need this fixed as soon as possible. 

Capital one Case # XXXX Already reported to credit companies Reported to them phone call and mail Already did big fraud packet for them. 
They have done nothing but send letter after letter saying i owe all that money. 

They recieved my fraud paper work XXXX XXXX from what they told me on the phone. I called again on XX/XX/XXXX and they were still working on it. Nothing had currently been done. More paper work sent out XX/XX/XXXX. They said they sent me emails that same day. I have 0 emails. Told them if i do not get this resolved i will contact a lawyer this is ruining my life and my familys life. 

Ref # XXXX Fraud department # XXXX Talked to XXXX XXXX. 

Still nothing has been done. 

Please help