davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-17
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. (IL)

A bankruptcy is on my report from all 3 bureaus, XXXX, XXXX and Transunion and possibly XXXX XXXX ... .... Permission for the said bankruptcy was not authorized by the courts to place on my personal credit reports. Asked them to remove it and they response was " VERIFIED ''
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion has been notified numerous times that they are allowing the listing of XXXX trade lines that are past the legal 7 year reporting time as allowed under the Fair Credit Reporting Act. They are : XXXX, account number XXXX AND XXXX, account number XXXX. TransUnion continues to ignore my disputes. These accounts have been removed by XXXX and XXXX but remain on TransUnion. 
Please stop TransUnion from continuing their illegal & abusive behavior against me.
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Account # ( 7 total ) Sent via XXXX # To whom it may concern : I recently disputed with all three ( 3 ) credit reporting agencies the accuracy of reporting on this account, and the results came back either " verified '' or " updated ''. There are several inaccuracies across all three credit reporting agencies. 

This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have reported to my credit file. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this Notice of Direct dispute includes : XXXX XXXX as shown on my Credit Reports ( attached ), is showing incorrect information. 

Basis for dispute : 1. You verified Recent Balance as " Not Reported '' 2. You verified High Balance as " Not Reported '' 3. You verified account status as " Transferred, closed '' 4. Date of Status hasn't been updated since XX/XX/XXXX 5. Actual Payment Amount is {$0.00} on XXXX 6. Credit Limit is {$0.00} on XXXX 7. Date of Last Payment is incorrect on XXXX 8. Account Status on XXXX is " Over 120 Days Past Due '' Supporting evidence : Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4, you are required to review the information that has been provided to you to complete your investigation of this Direct Dispute within 30-days of this notice. I demand a written response from the competent authority in your organization no later than XX/XX/XXXX to my address of records. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Enclosures : Equifax dispute - XX/XX/XXXX, Experian Dispute - XX/XX/XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
Consumer complaint received 2019-01-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...
Consumer complaint received 2022-01-29
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. (MS)

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following accounts are fraudulent : 1. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report 4. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 

5. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report 6. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-01-29
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)

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NY)

I went to the Wells Fargo branch located in XXXX square in XXXX. The ATM vestibule was locked. The manager of this branch called my phone prior and promised me the door would not be locked. There was a cleaning lady in the bank who pushed me and would not allow to utilize my money. I had to go to another ATM and was assessed a fee. The bank refused to refund my fees and basically sided with the cleaning lady. They pretended they never spoke to me about the issue of the door being locked. The cleaning lady would not let me use the ATM. Please fine this bank. They are very rude and unprofessional
Consumer complaint received 2022-01-17
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: EQUIFAX, INC. (CA)

Hello, my name is XXXX XXXX XXXX and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. On XX/XX/XXXX, I Certified Mailed Equifax a copy of my FTC Identity Theft Report, Cover Letter, multiple proof of Identification docs, and a copy of my social security card. They instructed me to do this in order to remove the Fraudulent Auto Loan account ( XXXX acct. ending in XXXX ) and the unauthorized and fraudulent XXXX hard inquiry from XX/XX/XXXX. Upon receiving this, they violated 15 U.S. Code 1681c2 and did not block the account within 4 business days of receiving all of my proof of claim. So I called them to follow up about 2 weeks later, they told me that I had sent them everything they needed in order to remove the fraudulent items- but because of some sort of internal process malfunction, I had them send them the same exact packet AGAIN. I was very frustrated at their lack of ethics, integrity, and sheer violation of my federal rights ( civil liability of {$1000.00} per violation ). I, nonetheless, submitted the same packet to them- both via FAX and via CERTIFIED MAIL. In between the time I talked to them and sent my new info, I also received written PROOF that states they removed my XXXX hard inquiry- yet they did not. FRAUD! The fax arrived successfully on XX/XX/XXXX ( see attached exhibits for proof of this ), and the Certified mail arrived successfully on XXXX ( see attached exhibits for proof of return receipt ). Yet again, Equifax violated me and did not reach out, or make any corrections to my consumer credit reporting statement. So I called them AGAIN last week, and was told that they did NOT receive my fax, nor did they receive my CERTIFIED MAIL... Yet I have receipts of everything that I have stated today! I am ready to take serious legal action against Equifax at this point- as I have been violated under 15 U.S. Code 1681c2, 1692k, 1681b and more. None of my consumer information is even allowed to be publically furnished by Equifax without my express written permission- which I never consented to! I AM BEING VIOLATED AS A FEDERALLY PROTECTED CONSUMER!
Consumer complaint received 2022-12-01
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. (CA)

I have read that Transunion is guaranteed to fulfill the FCRA regulation section 605b but regardless of all my labors to notify Transunion about the theft of my Individuality and that the items were never mine, Transunion never feel a concern nor paid any care to my Disputes. They became neglectful of the FCRA law and continued reporting this information on my File without Proper Confirmation or Examination. I came to a decision that the Credit Bureaus are not frightened to break Federal law thus they took to be slothful and abandoned my appeals. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... The items below should be deleted permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

Back in XXXX, I applied for a deferral on our 2nd mortgage ( HELOC ) due to being out of work and having no money coming in. Prior to XXXX, our account was current and had no late payments that would affect our credit. I was unable to make payments for XXXX, XXXX, and XXXX. I brought our account current and paid the 3 months of deferral in full. When looking into refinancing our home in early XXXX, we noticed our credit has dropped when looking at our credit on XXXX and XXXX XXXX XXXX showed that we had missed payments during our requested deferral period. I called XXXX XXXX XXXX in mid XXXX to find out why. They told me that my account was current and didn't see any deferral or late charges. After explaining what we were seeing on the XXXX XXXX app, and that we were confused why missed payments would be reported to the credit bureau while in a deferral when we were told a deferral would not affect our credit is when we were concerned and why I was calling. I was transferred to different departments, and at times disconnected. Eventually, I was told we had a case manager by the name of XXXX XXXX. When trying to contact him to hopefully get answers, no one had heard of him or knew who he was so I was never put in contact with him. I finally talked to someone who was unable to find anything to show that I put in a deferment request and she told me I was not the only person this happened to. She suggested I request a letter to state that we are in good standing. I did so and we were denied and said that we could appeal it with a written letter. I wrote a letter to appeal it and have not heard anything back and it has been almost 3 weeks since sending that letter.
Consumer complaint received 2022-01-17
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. (OR)

I contacted XXXX, TransUnion and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If XXXX, TransUnion, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under FCRA.
Consumer complaint received 2022-01-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP (FL)

I, XXXX XXXX XXXX, have been having a horrible time trying to get someone at U.S. Bank help me resolve the following situation. I initially opened my account through XXXX XXXX Bank ( who later became XXXX XXXX XXXX Bank XXXX XXXX I deposited 2 paychecks of equal amounts on XX/XX/2021, that due to accounting error from my employer, were returned for NSF. Well, the employer immediately corrected the error and issued replacement checks. I then tried to deposit the check back into my account and did not have the option anymore in the US Bank application. I called customer service, they said it was because my account had gone negative. They added that I needed to make a deposit in person or by ATM first, in order to recover access to the Application feature. Well, problem is, we live in Florida and there is absolutely no Branch and no USBank ATM at all in the entire State of Florida. The Banker on the phone then said to send it via XXXX. Well, my husband & I tried multiple times, and from multiple accounts, and all attempts were unsuccessful. After 2 weeks of trying, we called again, since we did not wanted that negative balance to be a problem and we now had a new check we wanted to mail in instead ( the others were deposited in a different account ). Well to our surprise, the new banker we spoke at that time, said the account was closed for suspiscion of fraudelent actions. Needless to say, we where astonished to hear that. We explained the entire situation. She said we needed to send an email explaining ourselves in order to avoid having my record tarnished with this action. We called 5 times since then, have argued with multiple people trying to resolve this matter, they all give us different information, no one give us the option to bring the balance current ( even their collections department told us they could not take the payment because the account came from XXXX XXXX Bank. It has been a nightmare. Weve asked 3 times to be contacted by a manager, but no one called.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP (WA)

I received a notice in the mail offering to settle on a debt and that failure to do so would result in account being sent to a 3rd party collection agency ( the letter came from a 3rd party collection agency ). I called to ask what this was about and was told it was for a debt that happened in XXXX. I told her this was paid in full a long time ago ( in XXXX ) and asked her why I was just being notified about this. She asked if I had a receipt I told her no its been XXXX  years since I paid this, she told me without proof this was a valid debt so I must have paid some thing else. I told her I disputed this as has been paid and I would not be paying it and she told me thats fine her client told her to move forward with a judgement. So even if this had not been paid ( which it has ) this debt is XXXX  years old why are they threatening to file a lawsuit on me? Also I know it was paid as I had to pay it in order to get it removed from XXXX XXXXnd I was unable to get a bank account until it was paid. It was also taken off my credit report when I paid it.
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

We previously had a personal loan with One Main Financial for almost a year prior to speaking with them about a car loan. When I called them I specifically said a car loan. They requested information about the vehicle year make model and where it was being purchased. We told them how much money we had to put down and where we wanted our loan payments to be. We were told it was approved with a payment of approximately 220 dollars a month. We picked the check up made out to the car dealership. And signed the paperwork which was mostly on the computer. We were told the accounts would be one payment for convenience. Unfortunately my husband was in an accident with the vehicle and it was considered by our insurance as totalled. I spoke initially with XXXX  at the one main office in XXXX Pa. When I asked her direct questions she was unable to answer them and kept saying that's information they give to the insurance company directly. When i pushed her for account info. She reluctantly gave me the payoff info. She told me the pay off amount was XXXX. When I continued to be confused about the amount she finally told me that it wasnt a car loan but a personal loan secured by a title. I immediately began to question this as that's not what we had applied for. She began talking over me and said that I would have to speak to XXXX  the manager. I spoke with XXXX today XX/XX/19 and he openly admitted to the confusing terminology of our " car loan ''. While I continued to push I said that I wanted the loans split as they were supposed to have been. He kept trying to give me different scenarios about car loans and I had to keep reminding him that it was not my loan and I had applied for a car loan and not an additional personal loan.
Consumer complaint received 2022-01-29
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. (MS)

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 

The following accounts are fraudulent : XXXX. XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX Please remove it from my credit report. 


PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS These company are committing fraud and illegal activity under FCRA 609 by fraudulently and illegibly and unethically on ALL my credit reports.
Consumer complaint received 2021-09-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc. (PA)

First federal credit control has been sending me collection notices in the amount of {$480.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.