davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
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. (NJ)

IN ACCORDANCE WITH FRCA THIS CREDITOR XXXX ACC XXXX HAVE VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604A SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS LASTLY UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (MN)

Fraud American Express business credit cards were opened under my name after I learned negative account were reporting on my credit report. A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened under name fraudulently. I spoke with American Express and they assured me it was taken care and case was closed but the account is still reporting on my credit reportss
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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
Consumer complaint received 2017-10-13
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (VA)

I called Wells Fargo Bank customer service yesterday to request information about my personal line of credit ending in XXXX but I noticed that I have an OVERLIMIT amount due now for XXXX so they do n't allow me to pay less than XXXX This Included XXXX OVERLIMIT plus XXXX of minimum payment which gives a total of XXXX. This called " over limit '' is unfair, abusive practice that this bank usually use in most of their accounts. the names they use for this practice are : called OVERLIMIT Amount or OVERDRAFT. Also, I tried to complain about this issue, but they did n't leave me do it, claiming that this are part of their " normal banking policies. '' For this reason, I am writing this complaint against wells Fargo Bank because they must stop this illegal practice and I request to cancel this unfair charge, so I could proceed to pay the amount of XXXX due
on XX/XX/XXXX, 2017.
Thank you for your attention Sincerely, XXXX XXXX
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: U.S. BANCORP (MO)

U.S Bank refused to provide me credits for fraudulent charges on my account from XXXX XXXX. They said that they could not help me because I did not report the fraud within 60 days of when it happened, but that is a lie because there were also fraudulent charges on my account from XXXX that occurred more than 60 days ago that I did get reimbursed for. The dates of the fraudulent charges from XXXX were as follows : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Plus, they said that provisional credits of {$13000.00} should have been put into my account regardless within 10 days from XX/XX/XXXX, and they did not. They have lied to me and failed to protect me against fraud. The charges from XXXX were just as much fraudulent as the charges from XXXX and it does not make any sense as to why they gave that money back but not the money from XXXX. They are breaking the law.
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: EQUIFAX, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$6000.00}
Consumer complaint received 2020-11-27
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. (LA)

On XX/XX/2020 I sent a dispute letter regarding on those inaccurate and unknown accounts. But today its Over 30 Days and I haven't receive any response. I was a victim of XXXX Data breach. I demand to remove Asap those Accounts or I will file a litigation.
Consumer complaint received 2018-03-14
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. (MA)

On XX/XX/XXXX, my credit report is showing inquiries from XXXX. I did not authorize these inquiries and would like them removed immediately from my credit report. 
Name of Company XXXX Date of Inquiry - XX/XX/XXXX
Consumer complaint received 2020-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, Ive been banking with Bank Of America since early XXXX, and in XXXX of XXXX my account was closed by BOA due to a business decision. At the time i had over 1000 dollars in funds designated for rent, food, and etc., but still I contacted my bank and they let me know that i would have to wait for a cashiers check that would take 7-10 business days which i did. While i waited for the cashier check i also ordered me a free FACTA report from XXXX, the report came back clean of any fraudulent activity. So I proceeded to open an account with BOA again which was probably not smart on my behalf, they let me open the account and the branch that i went to gave me a temporary card while i wait on the actual card to come. I did not add any money into the accounts due to me being scared to touch them risking closure until XX/XX/XXXX, when i added XXXX $ into my checking account. i was able to purchase items and send money using my card, i even called BOA for help several times this week alone for help. So it was a surprise to me to find out that my account has been closed for a second time, again due to a business decision, i was speaking to a male and he also let me know that BOA notated on my account that i was not eligible for an account ( checking & savings ) after the first one initially closed. I was not notified this when i went into the branch nor was I notified this in the closure letter I received. They also let me know that it is pertaining to fraud, again i ordered a FACTA the first time this happened and it was clean of fraud so i asked if they can tell me about the fraud and was passed around in a two hour game of phone tag. I still have not received an answer to my question. I still have not received anything on my account or the whereabouts. My account was open for a month before i added any money and before they decide again to close my account due to a business decision.i have bills to pay I can not wait up-to ten days for my money.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I sent a previous complaint XXXX ; this is in follow up. 
In summary Carrington Mortagage took over my loan from XXXX XXXX   in XX/XX/XXXX per the initial letter. I have been making payments to them monthly since XX/XX/XXXX. They sent me an intent to foreclosure letter. My mortgage payment is {$1100.00}. XXXX at 11.2 % interest rate. I was in touch with them and completed loan modification papers. My payments are automatically sent from my account. The XXXX payment was sent on XX/XX/XXXX and it was returned to the account on XXXX. I received a letter on XX/XX/XXXX stating that they approved me a loan modification, but did not state what the new payment would be, and that they wanted me to make payments of {$1400.00} until the final loan modification documents were confirmed ; starting XXXX. 
The letter also said my current loan and agreement was still in place. If that this is the case, then why ask me to pay more than my current mortgage. If I was struggling to pay {$1100.00}, then why would they want me to pay {$1400.00} instead. It does not make sense to me. And why are they not stating up front what the new loan modification payment would be. I donot want to accept any new arrangement without knowing upfront what the new payments would be. That just does not sound like good business. I told you at the beginning I felt like they were deliberately trying to take my home ; this behavior from them seems to be confirming that. I donot know what else to do. They decided to take my mortgage from XXXX XXXX, my question is why if they are not going to help.
Consumer complaint received 2018-03-14
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)

My husband and I mailed an investigation request to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but haven't received the results yet.
Consumer complaint received 2017-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

Chase XXXX Account Number : XXXX XXXX XXXX XXXX OnXX/XX/XXXX, I booked a hotel room at the XXXX XXXX XXXX on my XXXX card number XXXX XXXX XXXX XXXX. The payment amount was {$250.00} for a two night stay, with check in XX/XX/XXXX, and check out XX/XX/XXXX. This is documented in Exhibit A. 

I received a voucher reference number XXXX, which confirmed the hotel reservation details. I was advised that I would need to present this voucher and identification at the time of hotel check in. The voucher is documented in Exhibit B. 

On XX/XX/XXXX, I checked in to the XXXX XXXX XXXX hotel, and presented my voucher and identification to the receptionist. The receptionist requested that I pay a Resort Fee of {$74.00} for the two night stay, and stated that the Resort Fee was required to cover use of swimming pool, car parking facilities and internet. I advised the receptionist that I would not be using the swimming pool, and that both car parking facilities and internet were advertised as being free. 
The receptionist then advised that the Resort Fee was a mandatory requirement, so I reluctantly paid the {$74.00} Resort Fee, which is documented in Exhibit C. 

On XX/XX/XXXX, I telephoned Chase XXXX on XXXX, and advised them of the series of events, as described above. I requested that they refund the {$74.00} Resort Fee, as this had not been disclosed to me at the time of booking. I explained that I had been forced to pay this in order to occupy the hotel room. 
Chase XXXX advised that they would issue a temporary {$74.00} credit to my account while they investigated the dispute. Chase XXXX advised that they would inform me of their decision within 30 days. 

I received a letter from Chase XXXX, dated XX/XX/XXXX, advising that they had removed the temporary {$74.00} credit, and that the disputed amount would appear on next billing statement. The letter is documented in Exhibit D. 
The merchant documentation referenced in the letter is documented in Exhibit E. It would appear that the merchant documentation supplied was issued in error, as it is written in a foreign language, and makes reference to a {$1000.00} amount.
Consumer complaint received 2018-03-14
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. (IN)

THIS IS MY THIRD TIME SENDING NOTARIZED AND CERTIFIED LETTERS TO THE 3 CREDIT BUREAUS IN REGARDS TO THE SAME THING THE XXXX XXXX COMPANY SENT ME A CANCELLATION OF DEBT FOR THIS ACCOUNT WHICH I TOLD THEM WAS NOT MIND AND EVEN THOU I SENT THIS TO THE CREDIT BUREAUS TO HAVE THEM TO IMMEDIATELY HAVE THIS ACCOUNT REMOVED FROM MY FILE THEY STILL REFUSE TO REMOVE IT NOW THEY HAVE IT REPORTED AS A CHARGE OFF WHICH IS NOT CORRECT THEY ARE IN VIOLATION OF THE FCRA AND YET NEVER PROVIDED ME WITH PHYSICAL PROOF OF VERIFICATION THAT I HAVE A CONTRACT WITH THEM IF THEY SO CALL DEBT WAS CANCELLED WHY ARE THEY REPORTING IT AS A CHARGE OFF
Consumer complaint received 2024-02-09
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (SC)

XXXX federal credit card got close had a secured credit line by the they close for I dont why! And they wont take the XXXX that were secured I use to open and they wont do nothing and they keep updated over and over again making my credit go Lower i be trying for the last 3 years
Consumer complaint received 2024-02-09
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. (LA)

XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to TRANSUNION by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Update : XXXX took XXXX small action to address the Identity Theft related hard inquiries on my report. XXXX XXXX  TRANSUNION FAILED TO TAKE ANY ACTION WHATSOEVER. 




I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. XXXX, XXXX, Transunion and their executive branch, the Consumer Data Industry XXXX XXXX which XXXX them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an XXXX XXXX which is exactly what they are - a XXXX XXXX. How the XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least XXXX or XXXX times across the XXXX plus XXXX. This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous XXXX XXXX. WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or XXXX. I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. Then, the XXXX refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. This XXXX XXXX  must be SHUT DOWN!!
Consumer complaint received 2018-03-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Attempted to complete a short sale. Obtained lien holder approval. Buyers title company was unable to obtain title insurance, therefore was unable to complete the sale. There was a backup buyer who made a higher offer, which would have made the lender more money than originally approved. They have denied a request for a new review because of the foreclosure sale date set for XXXX18. This date was activated when the back up buyers offer was submitted for a new approval. Since the date was activated the new review is with in 37 days of the auction date. This is the reasoning the lender will not review the offer or postpone the sale date to allow enough time for a new review.
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Convergent Resources, Inc. (IL)

On XX/XX/2017 I received an alert from my credit monitoring service that a collection account has been added to my credit report. I notice this is from a company I have never heard of or done business with. Convergent has placed an account on my credit report without contacting me, neither before or after the negative reporting. I was n't even given the opportunity to have this debt verified or disputed and more importantly I am convinced that this is a fraudulent reporting and extremely poor and deceptive collection practices at best. Convergent is practicing deceptive debt collection and has a total disregard for the Fair Debt Collection Practices act as they are in complete violation of the act.