davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (LA)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-02-08
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. (NC)

The following accounts were used unauthorized. It affects my credit file and lifestyle. I need help to remove the following accounts from my credit report. 

XXXX. Account Name XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/year>XXXX XXXX
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have written 3 letters and made one phone call disputing several iniquiries and asking for validation on my credit report. The last letter I sent off at the beginning of XXXX and I did not receive a response. Each response they closed the investigation without providing proof or any information on the inquiries. When I called I was told they will not investigate and to contact each company. I contacted each company through mail. Two of the companies could not find any information on me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Their is an incorrect address do another company posted on my credit report ( XXXX XXXX ). The others have yet to respond back within 15 days. Below are the inquiries that I have disputed several times. XXXX XXXX, XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XX/XX/2015 XXXX XXXX X/XX/2016
Consumer complaint received 2022-01-18
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. (CA)

I have sent several disputes and verification request. The credit Bureaus have failed to respond in a timely manner, they have also failed to correct the mistakes. There are several accounts that are reporting different information to each Credit Bureau. I have brought these items to the attention of each Credit Bureau and requested that the inaccurate information be removed from my credit report. To day they have failed to make the necessary changes. 

XXXX Acct # XXXX has a different date of last of activity for each Bureau XX/XX/XXXX but Experian XX/XX/XXXX and date of last activity is XX/XX/XXXX The account is also showing as never disputed when in fact it has been disputed several times. Account shows a different high balance for each Bureau/// this account is inaccurate and needs to be removed from my credit profile. it is also over the statute of limitations. 

XXXX acct # XXXX has a different date of last activity reporting to each Credit Bureau/ XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX and XX/XX/XXXX for XXXX date of XXXX payment is different for each Credit Bureau also reporting an inacurrate high balance / Claims dispute were resolved when never investigated or provided results XXXX Account # XXXX reporting inaccurate information on my credit report // and should be removed different date of last activity to each Bureau different date of last payment XXXXeported to each credit bureau date of last payment different for each Bureau XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX activity is inaccurate reporting different information to each credit bureau date reported is different for each credit Bureau collection account showing 90days late XXXX times with no 30 or 60 days late reporting a high balance of XXXX to Experian which means nothing should be owed XXXX/ acct # XXXX date of last activity is inaccurate experian XX/XX/XXXX XXXX collection account showing late this XXXXs inaccurate high balance of 0 to Experian and {$140.00} to XXXX XXXX XXXX acct # XXXX shows a different high balance to each Credit Bureau date of last activity is different for each Bureau XXXX XX/XX/XXXX Experian XX/XX/XXXX and XXXX XX/XX/XXXX date of last activity is different for each credit Bureau
Consumer complaint received 2022-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (SC)

Wells Fargo sent me a text explaining my account had been used in Texas. Wells Fargo called me and gave me steps to prevent money from leaving my account. I check the source of the text and phone call all were from Wells Fargo. I followed the steps as I had done before and every penny out of my account was liquidated. I have cited the Electronic Exchange Act has prevented me from suffering loss due to this type of event where a bank defrauds their customers. They sent me a letter stating I had authorized the transactions which is incorrect. I followed the instructions of Wells Fargo to secure my account from a active threat.
Consumer complaint received 2022-07-19
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. (NC)

I forwarded a letter to the Experian and XXXX dated XX/XX/2022 to erase this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again. XXXX XXXX XXXX : {$9100.00}
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

EXPERIAN IS REPORTING WRONG INFORMATION ON MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX IS NOT CORRECT AND TRANSWORD SYSTEM XXXX IS INCORRECT. I HAVE TRYED TO FIX THIS ISSUE WITH THEM BUT NO HELP.
Consumer complaint received 2022-01-18
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

This is wrong and whoever wrote that statement absolutely lied .... you have damage my credit and now you want to throw the rock and hide your hand .... 

Please answer what's in attachments
Consumer complaint received 2022-01-18
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (KY)

This is wrong and whoever wrote that statement absolutely lied .... you have damage my credit and now you want to throw the rock and hide your hand .... 

Please answer what's in attachments
Consumer complaint received 2023-03-28
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. (PA)

Hello, my name is XXXX XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. I am unable to purchase a house or do anything with this inaccurate information on my report. Please remove these as soon as possible.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc (MD)

On XX/XX/XXXX : I was in communication with a user on XXXX regarding a XXXX event that required tickets paid for before entry. I had spoken with the user @ XXXX regarding payment and the tickets being sent to my email after payment. I sent the amount of {$100.00} XXXX XXXX to an XXXX XXXX, the user however had a picture of a woman and claimed it was here boyfriends XXXX XXXX account I was sending it to. I sent it and got no more responses from them and was then blocked. I reported the scam incident to XXXX XXXX, XXXX and my bank Chime and The XXXX XXXX  after that happened. XXXX was the only one that helped because they suspended the user indefinitely and gave their policy on frauds and scams through their app. 

On XX/XX/XXXX : I was sent confirmation from Chime that they got my transaction dispute and would need more info to proceed with a refund. I sent them the information from XXXX and the XXXX XXXX transaction with the dates and amount all included. From XX/XX/XXXX to XXXX Ive been reaching out to Chime via email and phone and have been denied twice even with providing evidence on the scam that happened to me their customer. 

Today on XX/XX/XXXX : I decided to call one last time and was given the same scripted answers and no support in my case about an online scam that happened to me in XXXX. Ive given them ample amount of time to review and provide me the best solution and they provided neither enough support or a valid explanation on the denial. 

If theres any other information you need from me please contact me.
Consumer complaint received 2022-07-19
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 2024-02-08
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. (TX)

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 2022-07-19
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. (IL)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-01-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL SYSTEMS XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX misrepresents the correct date of this account being open. They acquired this debt from companies currently listed on all XXXX credit reporting agencies. I have requested investigation of this fact with no satisfactory results any credit reporting agency.The correct open date should be XX/XX/2009
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

On XX/XX/2022 I made an ATM deposit to my checking account using a cashiers check for {$10000.00}, after reading the deposit agreement I was under the impression it would clear no later than 5 business days, immediately after making the deposit approximately {$200.00} was available so I assumed nothing was wrong.

The day later I attempted to use {$30.00}, the transaction was denied, so I went into the app and saw my balance was only {$10.00}, the amount they had cleared earlier was gone. 

I proceeded to call US Bank the following Monday to understand what went wrong and I was now told it would actually be 7 business days despite readily available information stating its 5 business days you have to dig a lot to find its actually 7 on occasion and it states they are to provide notice in those instances, I have paperless set on my account and I have no notice in my secure messaging inbox nor was any notice given when I made the deposit.

When I asked to speak with a manager I was transferred to a woman who claimed to be a customer service manager, the entire interaction with this woman of which I more so consider an altercation went as follows, after telling her the entire story she says " Its common to not have education about the banking system. '' clearly insinuating I have no education about the banking system and then when I informed her the last bank I dealt with was clearer about a delay of this nature she interrupted me to say " OH REALLY WHAT BANKS '' and then mockingly laughed at me, she would also constantly raise her voice at me and interrupt me, she also said my check had a " high likely hood of not clearing and being returned because its made out to a business '', I then told her I had a picture of the check right here and I see its addressed to myself she then said " oh my bad your name was cutoff '' I tell her this experience is appalling and she had been extremely unpleasant to which she says " I apologize that YOU misunderstood me '', I also asked why wouldn't it clear as she seemed to have some knowledge no one else had but she refused to state why despite this being a cashiers check made out to myself from my old bank account.

I hung and called again now totaling almost 3 hours of phone calls in one night to this bank to forward a complaint against this manager, I do have in my possession a number for this complaint.
Consumer complaint received 2024-02-14
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. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2022-07-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX at XXXX am I called chase debit card services about XXXX transactions XXXX, XXXX, and XXXX that were made on XX/XX/2022. I froze my debit card and reported it to the debit card company. The fruad dept was not open so i had to wait until the morning to called on XXXX XXXXThese transactions were made unlawfully, police report was made and the man was impersonating an officer from XXXX XXXX Police Dept . A police report was filed with XXXX XXXX police dept in XXXX California. Chase wasn't able help even though this was fraudulent activity. My girlfriend 's bank ( XXXX ) was able to handle the situation.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi I purchased a XXXX XXXX XXXX from XXXXXXXX XXXX of XX/XX/XXXX,. I one payment in XX/XX/XXXX on XXXX XXXX XXXX repo my vehicle and wouldn't work with me to get it back. They wanted me to pay the full amount owed which was XXXX I'm a senior and XXXX I also don't see where they pulled my credit when I purchased the vehicle. At the time I had a fraud alert and security freeze on credit, I am a victim of identity theft in XXXX did file with FTC. XXXX has enter a Repo saying XXXX the car was repo on XXXX. This is not true what they reported and not fair and should not get away with it and mistreat customers especially senior citizens.
Consumer complaint received 2021-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Consumer complaint received 2022-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

Apparently, my homeowners insurance had gone up in cost and there was a shortage in escrow account after flagstar bank had ran an analysis. 

I never received any notification of a higher mortgage payment needed and I continued to pay the regular cost. Flagstar moved my payment to a suspense account and flagged my loan as not paid for the month of XX/XX/XXXX. I usually pay the loan through the my personal bank, but coincidentally I needed to login to flagstar 's website to make sure I wasn't late, making the XX/XX/XXXX payment because of the holiday. I then discovered there was a higher cost to the loan, which I paid. 

I received a letter in the mail over the weekend of XXXX XXXX, stating that the loan servicer flagstar bank had assigned a loss mitigation team to my loan in an attempt to collect a debt. I then proceeded to scour the materials in the flagstar website to figure out where the problem with the payment was. There was never any clear explanation as to why my payment was in suspension and I had to research and deduce the problems by using XXXX. 

When I spoke to a representative at flagstar they informed me that they sent a letter in the mail stating that the mortgage escrow had a shortage, but I never received anything in the mail. The representative stated that since flagstar hadn't received the letter they sent back, that they must have delivered the letter and I must have seen it. I am not sure how the flagstar rep was able to know so quickly that nothing had come back from the post office. 

With the culmination of no communication from flagstar and them moving my payments into suspension and still no communication, I feel this was a concentrated effort to provide a situation where I could default on my loan. 

Their communication was poor, and I have had many challenges figuring out how to permentallly receive written communication as their website is relentless in making it difficult to remove paperless billing and contact.