davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (MO)

I am writing to express my deep dissatisfaction and concern regarding the ongoing issue of fraudulent items persisting despite repeated attempts to remove them. As a customer of Credit Bureaus, I expect transparency, reliability, and prompt action in addressing such matters. 

I have made several attempts to report and have fraudulent items removed from my credit file. However, despite my efforts and numerous notifications, these items continue to exist unabated. This not only undermines my trust in your organization 's integrity but also poses a significant risk to my personal information and financial security. 

I urge you to take immediate and decisive action to rectify this situation. Specifically, I request the following actions : Conduct a thorough investigation into the root cause of the issue, including any potential vulnerabilities in your systems or processes that may be enabling fraudulent activities to persist.

Implement robust measures to prevent further occurrences of fraudulent items and ensure the security of customer accounts and data.

Provide clear and timely communication to affected customers, including updates on the status of investigations and actions taken to address the issue.

Offer appropriate compensation or restitution to customers who have been adversely affected by the presence of fraudulent items, such as refunds or account credits.

Review and improve your customer support and complaint resolution procedures to ensure that issues are addressed promptly and effectively in the future.

I expect a prompt response to this complaint and a commitment from Credit Bureaus to address these concerns with the seriousness and urgency they deserve. Failure to do so will force me to consider alternative courses of action, including escalating this matter to relevant regulatory authorities or seeking legal recourse. I am asking for your assisstance to remove fraud items 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
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

So I sent a letter to the credit bureau to remove personal information that I dont want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. ALso according 15 USC 6802.NO financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There is an account showing on my credit profile from XXXX XXXX XXXX that violates my rights and has continuously caused me financial harm over the last 18 months. Attached with my complaint you will find a copy of the XX/XX/XXXX letter sent to XXXX XXXX XXXX requesting specific information regarding this account. 

I informed XXXX XXXX XXXXs that under the laws of South Carolina and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. - EFFECT OF ERRORS OR OMISSIONS. 

9-611. - NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. - TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 

9-613. - CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL It has been past 30 days and XXXX XXXX XXXX has failed to provide the requested information. On XX/XX/XXXX I directly disputed this account with XXXX XXXX and Transunion. Attached is a copy of the letter sent to each of the credit bureaus asking them to reinvestigate this matter on my behalf and to send me a copy of all documentation received from XXXX XXXX XXXX They have failed to provide me with the documentation. 

I am now asking the CFPB to intervene on my behalf and demand the credit bureaus deliver said documents or remove the erroneous information from my credit profile.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (FL)

I would like to file a dispute upon me never happen to have an account with JPMorgan Chase of account balance of {$82000.00} dollars plus {$280.00} plus {$270.00} plus {$280.00} which I never open an account with Chase dating back from XX/XX/XXXX to XX/XX/XXXX and dating back from XXXX XX/XX/XXXX I've never lived at this current address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I did have an account with XXXX that's until someone stole my debit card please help me I do owe them XXXX I never had an account with XXXX XXXX I believe all this is fraud and I had nothing to do with it. please give me a phone call at this number XXXX so we can resolve this because I do need to open an bank account so I could start my own business and get direct deposit and various reasons or email me at XXXX I believe what I said is accurate and true. Wrong Banks wrong dates the only banks I've opened with was XXXX XXXX in XXXX and XXXX.
Consumer complaint received 2020-05-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (MD)

Credit Acceptance Corporation, this was an account that became active on my account in XXXX. This was a result of fraud someone used my name and social security along with drivers license and signed under my name for a auto loan that Ive been fighting for the past four years. I finally thought it was resolved in XXXX when the account seemed to have dropped off my credit file and wasnt reporting showed up closed when I looked on XXXX XXXX and XXXX XXXX and XXXX. Then all of a sudden in XXXX I saw it come back and drop my credit score down. I have tried to resolve this so many times between XXXX and XXXX, with nothing done by the company stating that they cant do anything even though I told them it was fraud and that I have nothing to do with the joint owner or the address they have on file. Im not involved in any of this. They even told me that the car was totaled in XXXX of XXXX and the account was closed yet all of a sudden its back on my credit file. I shouldnt have to pay for others criminal activity. Im trying to live a honest hardworking life with my family, and I cant even get a leg up with my own business due to the negative affects of the loan in question. This isnt my loan it was never authorized by me or given any form of cosent u was never aware of it at a all.
Consumer complaint received 2024-02-12
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. (GA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$22000.00}.
Consumer complaint received 2023-02-07
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. (CA)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX Balance : {$100.00} XXXX  XXXX Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (TX)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : 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 2022-07-13
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Experian ) 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 an account without my written instructions
Consumer complaint received 2024-02-12
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. (NV)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd (CO)

Used Wise for money transfer. AFTER the transfer was initiated and money was taken from my account, they wanted extra personal information which the receiving party did not want to disclose ( date of birth, etc ). So Wise cancelled my wire and now they have yet to return my money to me. 
Their app also shows no issue with the transfer and that it is still in process to receiving party. Only additional information given about it being cancelled is if I call them.
Consumer complaint received 2023-02-07
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: EQUIFAX, INC. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired as soon as possible. 
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 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

So I sent a letter to the credit to remove personal information that I dont want on my credit report.According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2024-02-12
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am disputing an error on my credit report regarding my account with XXXX XXXX. The reporting dates were incorrect, showing inaccurate late payments. XXXX XXXX  has acknowledged the mistake and agreed to update the information. I am requesting a prompt update to my credit report to accurately reflect that my account was never late, and I appreciate your assistance in resolving this matter.
Consumer complaint received 2022-07-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

My acct XXXX had fraud on the acct via pin/card I kept XXXX  money into the acct as pending charges flew into the acct and I didnt want over draft fees. I contacted bank several times which stated 1hour and 45 min hold times and set up call backs which I never received finally I sat on hold until I got someone as the funds just kept coming out of the acct in several diff state locations The bank has printed three different cards with the same card number one of the cards along with the bank printed off pin they org shipped must have been stolen and used via my local oil company as it was in the glove box or a foster child there where some charges from XXXX XXXX which I told the agent that must be mine since theyre in my area and most of these charges where all over the place. But if it was a foster child or parent of one or the oil company employees they could have just as easily did transactions at the same store I typically shop at I filed a police report and the local police said theyre a not much they can do as the transactions are in several states. The bank called me up and said they will not protect me from the unauthorized charges. I should be protected from any charge that I did not do on my acct. Ive been with the bank for over a decade and Im being treated unfairly and am told to continue to ask the foster kids to own up ( if its even them ) these are gov kids, theyre on survival mode Im not going to traumatize them more then they where before they came into my life. Regardless who stole the funds I did not authorize or use the funds and need and should be protected and Im disappointed in the bank for treating a long term ah in such a manner. It does not give confidence in the bank to protect money from being used fraudulently the bank should have had fraud prevention on there own side by not mailing out multiple cards through out the years over and over with the same card info out of the blueluckily I hadnt had a problem until now but eventually it became a problem and Im not protected by the bank. Whats the point in banking if I have no protection
Consumer complaint received 2020-05-23
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. (FL)

SOMEONE STOLE MY IDENTITY AND USED IT WITHOUT MY PERMISSION AND OPEN SEVERAL ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

I am sick of trying to resolve this problem with capital one. I paid my account in full and close it because they wanted to continue to charge me fees and interest after I paid my account in full. Instead of reporting that I close my account in full they went and reported that I owe them {$7.00}. They know this balance was from a fee from them and that I close this account. Yet they are still reporting that I owe them money
Consumer complaint received 2019-10-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: SUNTRUST BANKS, INC. (FL)

Time is of the Essence to this request. Friend needs emergency XXXX. Friend was robbed and attacked and has XXXX XXXX, XXXX, XXXX needs XXXX. I started a Wire Transfer XX/XX/2019 for emergency XXXX for a friend of mine of XXXX $ Reference # XXXX at Suntrust Bank in XXXX XXXX, Va. Suntrust has some arrangement with XXXX XXXX in New York to be the intermediary. I contact XXXX and they refused to check status. I contacted Suntrust same result. 

I sent wire expected quick delivery. 

Please prosecute, penslize and take enforcement action. 

I paid fee of {$40.00}. 

My friend is going to die unless funds are transferred asap.
Consumer complaint received 2019-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2021-11-29
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. (FL)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2015-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Credit bureau keeps reporting inaccuracies related to XXXX XXXX tradeline. First and foremost, consumer was never late at any time in XX/XX/XXXX. The account has long been closed, and was sold off around XX/XX/XXXX.