davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
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. (AK)

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 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, has violated my rights. 

1 5 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. 1 681s-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 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (AL)

On XX/XX/2019 my account was approved for the hardship program with monthly payments of {$23.00}. I have made each payment going forward and was notified that my account was past due. The letter from Comenity Bank doesn't state reporting of past due balance but simply details the layout of the hardship plan. I was never informed via mail or on the phone that they would report the account late after entering into the hardship program. 
Please see documentation attached.
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST NATIONAL BANK OF OMAHA (NE)

On XX/XX/2023, on behalf of my business XXXX XXXX XXXX, XXXX, I applied for the XXXX XXXX Credit Card, issued by First National Bank of Omaha ( FNBO ). FNBO then performed a hard pull on my personal credit report. I was not informed nor consented to this credit pull. 

Upon calling FNBO about this, they stated I agree to such a credit pull during the application process but were unable to provide any such documentation. They stated I agreed to personally guaranty the business credit card. Again, they could not provide any documentation backing this up. I asked to talk to a supervisor, and they said one would call me back. No one at FNBO has contacted me since.
Consumer complaint received 2020-12-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

Frequent and insistent calls for my son who apparently has an outstanding bill for his credit card. I am not the debtor and they continue to communicate with me ( third party ) to leave messages for my son. Despite my multiple attempts ( 4 ) at asking the various representatives to remove my number - the collection agency refuses to remove my number and continues to call me in connection with the collection of this debt. 

I get 4 phone calls daily from the number listed for the last 7 days. 

Today during my third attempt to get the calls to stop a representative named XXXX, Employee ID # XXXX, refused to provide me an address to mail my formal cease communication request, refused to allow me to speak with a supervisor and finally stated " your number can not be removed from this file because we do not have another number to reach him. He then hung up on me. 

I am currently on the phone with the Bank ( 4th attempt ) to get the calls to stop.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am submiting this CFPB complaint regarding fraudulent account on my credit report. I have recently discovered accounts on my credit report that I did not authorize or participate in. The account is damaging my credit score and causing significant financial harm. Specifically, the fraudulent account on my credit report : XXXX XXXX XXXX Balance : {$52000.00} ; that I did not initiate or receive. The total amount of this fraudulent account is significant and has had a negative impact on my credit score. I have taken steps to dispute this fraudulent account with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, this account remain on my credit report and continue to damage my credit score. I believe that the fraudulent account on my credit report is the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being.
Consumer complaint received 2023-04-04
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. (AZ)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-07-27
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. (MO)

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 XXXX XXXX  Account name : # XXXX XXXX XXXX XXXX XXXX. Account name : # XXXX XXXX XXXX XXXX Account name : # XXXX XXXXDept of Education Account name : # XXXX XXXX/Dept of Education Account name : XXXX XXXX XXXX  Account name : # 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.

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 2020-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (KY)

I opened a new account at Ally Bank. I needed to make a car payment through my old bank. My intent was to send money ( {$300.00} ) to my girlfriend via XXXX and have her send it to my old account. XXXX has always been instant, but after three days, my girlfriend still has not received the payment. I moved cash to my old account and paid that way. Now, I made a XXXXXXXX XXXX in 4 payment with the same checking account for XXXX dollars. One came out at XXXX XXXX on XX/XX/XXXX. It came out again today, XX/XX/XXXX also at XXXXXXXX XXXX. I only have one transaction showing in XXXX but two debits in my checking account for that amount. Ally has not responded to my complaints about either issue. It hasn't been that long but I have {$450.00} that I do not have access to currently because of this. 

Ally also claims that they do not see a record of *any* transaction from XXXX in this amount. In the attached screenclip, the payment from the XXXX is the one that is in my XXXX history. The one from the XXXX is the one that is unaccounted for. Again, the Ally agents claim there is no record of either in my account.
Consumer complaint received 2023-04-04
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. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2019-02-12
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. (NC)

On XX/XX/2018, I sent a letter to Equifax ; asking them to investigate errors on my credit profile. They were supposed to respond within 30 days but they have not.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I sent a letter requesting to have these incorrect addresses removed from my credit report as they don't belong to me. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX . 
XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX I am with Chase Bank since XXXX they put a red XXXX day late on my credit report for XXXX and it wasnt XXXX that was late it was XXXX and it was because we had a National disaster of over XXXX inches of snow which shut the mountain down for XXXX weeks which made me late on getting my payment and I asked for forgiveness and they wouldnt and I told him that they have the XXXX day late on XXXX and it wasnt XXXX XXXX  days late it was XXXX and I was asking for a pardon on XXXX please could you help me fix this?
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

We have a mortgage with roundpoint mortgage servicing and we have been with them since XX/XX/XXXX, we paid our mortgages regularly every month and on XX/XX/XXXX I got a phone call from XXXX XXXX with roundpoint she let me know that roundpoint dropped the ball and accidentally deleted our PMi from our loan for 2 years! Mind you they review all accounts yearly and they somehow missed this 2 years in a row??? So our mortgage went from {$2100.00} to {$2400.00} for the next 5 years then falling to XX/XX/XXXX after the 5 year period. They are now telling me in XXXX our mortgage will be raised again. We have had several financial struggles after our mortgage increase and now with a future increase we are worried we will now lose our home. All I asked is that they right their wrong and soak up the negative balance that they caused but they refuse.
Consumer complaint received 2019-02-12
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. (KY)

Please look on my credit report for the XXXX account number ( XXXX ). The status is coded as I5 which means I am being scored as 120 days past due on an account with a XXXX dollar balance and XXXX  dollars past due. This is an illegal infraction being reported by Equifax and XXXX. However XXXX is reporting this correctly. I have tried to dispute this direction with XXXX, Equifax and XXXX without any changes being made.
Consumer complaint received 2023-04-03
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. (NY)

A XXXX XXXX XXXX credit card is listed on my credit report and I am named as an authorized user, however, I do not have a XXXX XXXX XXXX credit card. I called XXXX XXXX XXXXXXXX and let them know and they said they would take action to get this removed from my credit report. I also called XXXX and they said they would do the same.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Please look on my credit report for the XXXX account number ( XXXX ). The status is coded as XXXX which means I am being scored as 120 days past due on an account with a XXXX dollar balance and XXXX   dollars past due. This is an illegal infraction being reported by XXXX and Transunion. However XXXX   is reporting this correctly. I have tried to dispute this direction with XXXX, XXXX and Transunion without any changes being made.
Consumer complaint received 2019-02-12
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/ 2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.
Consumer complaint received 2023-04-03
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. (PA)

I have fraudulent accounts appearing on my credit report. 

1. XXXX XXXX {$1300.00} 2. XXXXXXXX XXXX {$4000.00} 3. XXXX XXXX {$1900.00} 4. XXXXXXXX XXXX {$1000.00}
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Oliver Adjustment Co. (IL)

On XX/XX/XXXX I contacted OAC in XXXX Wisconsin for a debt placed on my XXXX report for {$59.00}. The debt was placed on XX/XX/2016. The collector told me that the payment will be reported to XXXX  and the debt will be removed within XXXX business days. Today, XX/XX/XXXX at XXXX pm, I called OAC to ask them if the removal request was sent. XXXX at OAC told me that it can take up to 120 days. I felt duped and felt like they lie to me. They have no intention to remove it. At least I would like the company to update my report that the debt has at least been paid.
Consumer complaint received 2024-03-05
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. (MI)

I would like to express my extreme frustration and disappointment regarding the handling of fraudulent items on my credit report. Despite multiple attempts to dispute these fraudulent entries, they persist on my credit file, causing significant distress and potential harm to my financial well-being. 

I have submitted detailed explanations, supporting documentation, and any other requested information through your dispute resolution process, yet these fraudulent entries remain unresolved. 

The continued presence of these fraudulent items on my credit report not only damages my credit score but also undermines my financial credibility and exposes me to potential identity theft risks. Despite my efforts to rectify this situation, I am dismayed by the lack of urgency and effectiveness in addressing these critical issues. 

Given the severity of the situation, I demand immediate action to remove these fraudulent items from my credit report. Furthermore, I expect a thorough investigation into how these fraudulent entries were allowed to persist despite my diligent efforts to dispute them. 

I urge you to expedite the resolution of this matter and provide me with written confirmation of the removal of the fraudulent items from my credit report. Additionally, I request compensation for any damages incurred as a result of these inaccuracies, including any fees associated with credit monitoring services or adverse effects on loan approvals and interest rates. 

Failure to address this complaint promptly and satisfactorily will compel me to escalate this matter to the appropriate regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these in my credit file : 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 2019-09-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

My Union Bank had deducted an amount of {$1800.00} from my XXXX XXXX on XX/XX/XXXX. 
The credit was not available on the XXXX of XX/XX/2019. I called the customer service people at UB Credit Card ; who said it is totally at their discretion as to when they release the funds - is this possible?
Consumer complaint received 2019-04-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Money was transferred from my bank account fraudulently to someone I don't know. I immediately reported this to my bank when I received an email stating money had been sent and the bank said they cancelled the transaction but the transaction happened anyway. I have filed a police report and gave the information to my bank and filed a claim but now my bank has denied my claim and said I need provide proof that my phone had been spoofed. I don't know what I should do next. The bank is Bank of America. They have been absolutely no help. I need my money and don't know what to do next. The money was sent through XXXX and when I contacted them they said I had to contact my bank. I have gotten so much of a run around.
Consumer complaint received 2019-04-29
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. (WA)

I asked for a proven fraudulent account to be deleted off my Transunion Credit report. It was not investigated correctly. I submitted the same dispute to XXXX  and it was DELETED. XXXX XXXX XXXX XXXX and XXXX XXXX have the proof this was fraud. Please reinvestigate as I have been trying so hard here to avoid bankruptcy. DISPUTE THAT WAS COMPLETED TODAY XX/XX/2019
Consumer complaint received 2019-04-29
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. (TX)

I sent an investigation request to Experian on XX/XX/XXXX. I was supposed to get a response within 30 days, but I have not.