davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
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. (PA)

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. I am a victim of identity theft stemming from a recent data breach, and these accounts and inquiries were created without my authorization. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all items listed be removed. 
Accounts to be Blocked and Deleted : XXXX  - Account Number XXXX Date Opened : XX/XX/XXXX Amount : {$320.00} XXXX  - Account Number XXXX Date Opened : XX/XX/XXXX Amount : {$330.00} Inquiries to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
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. (NY)

I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every XXXX of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2023-04-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase Bank ( " Chase '' ) transferred the funds out of a checking account and a savings account that I had maintained with them since XXXX into new checking and savings accounts after I was a victim of identity theft on or about XX/XX/XXXX. The identity theft involved someone setting up a fake joint account and transferring {$57000.00} out of the original checking account into the fake joint account on XX/XX/XXXX before Chase realized what happened and transferred it back into the original checking account before freezing both the original checking account and original savings account for suspicious activity although nothing had ever been withdrawn from the original savings account. The full amount that had been in the original checking and savings account were moved into the new checking and savings account on or about XX/XX/XXXX and I continued checking those new accounts almost daily and everything was fine with the correct amounts in the new checking and savings accounts through XX/XX/XXXX when the new savings account and the XXXX figure amount in the new savings account disappeared without a trace as if it never existing. When I went to a local Chase branch the next day the branch manager spent almost an hour on the phone with someone before figuring out that the new savings account had been pulled by a computer program which he described as a computer glitch which tagged the new savings account as suspicious even though nothing had ever been done with it other than transferring the amount that had been in the original savings account into the new savings account. I was promised I would get my money back into a brand new savings account after waiting XXXX business days and I am still waiting. What upsets me is that the new savings account with the XXXX figure amount disappeared from my online account without any notice to me whatsoever. No phone call, no text, no email even though I have every possible notification tagged on my online profile. I have still received no notification from Chase even by mail what happened to that savings account or acknowledging it was closed or that it ever existed. This has been very mentally and physically stressful to me. Plus, because I was keeping a low amount in my checking account thinking I would transfer funds from savings when necessary I was unable to make financial payments that were expected to be made this week.
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/year>2024 Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am writing to formally file a complaint regarding your failure to correct inaccurate information on my credit report for my account with XXXX Account Number XXXX. Despite multiple written requests for correction, dated ( XX/XX/year> ), my requests have been consistently disregarded. This failure constitutes violations of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least XXXX  days before the payment due date. The inaccurate late payment reporting on my account indicates a failure to meet this legal requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies verify the accuracy of information in consumer files, which has not been adhered to in this case. The discrepancies in my credit report remain unresolved, showing negligence on the part of TransUnion to ensure accuracy as mandated. 
TILA Violations : The Truth in Lending Act emphasizes the requirement for accurate and timely disclosures to consumers. Due to the inaccurate reporting of a late payment, my creditworthiness has been adversely impacted, affecting my financial stability. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : The XXXX underscores the duty of creditors to provide timely statements, which would prevent unfair penalties, such as this late payment reporting, that harm consumers without due cause. 
The following discrepancies were noted on my credit report across all three major credit bureaus : TransUnion : XXXX marked as XXXX  days late, although previous payments were timely. 
XXXX : Similarly, XXXX indicates a XXXX late status despite consistent timely payments. 
XXXX : Records a XXXX late entry in XXXX as well, contradicting previous payments made on time. 
Nothing has changed despite XXXX previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notation from my credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your attention to this matter. I trust that you will give this issue the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-11-01
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)

I am writing to formally request that all the accounts listed below be blocked and permanently deleted from my credit report as a result of a recent data breach, pursuant to the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ), and FCRA 605 ( b ). These accounts were fraudulently opened or reported without my authorization, and I am a victim of identity theft. 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$23000.00} XXXX. XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$1100.00} XXXX. XXXX  XXXX  XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$5700.00} XXXX. XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$10000.00} XXXX. XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$410.00}
Consumer complaint received 2024-11-01
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. (NC)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-03-26
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. (IN)

My credit file has been suppressed with Equifax now since a mortgage lender try to pull my credit back on XX/XX/2021 And that the data was suppressed because I was told my social security number was associated with another individual. But they first told me my account had a freeze on it. I was then told by Equifax to fax my Social Security card, drivers license and a Written request to correct my credit file. I did that satisfactorily and can provide written evidence of this upon request. I waited in approximate 30 days and had my lender tried to pull my credit again on XX/XX/2021 end it is apparent my credit file has yet to be fixed. My lender can still not access my echo fax credit file. I know this is a violation of my rights under the fair credit reporting act. This problem is causing me real harm. I am a XXXX  and I am trying to Take it XXXX of the VA loan program and can not do so because of this problem. This is causing the real harm. I have tried resolving this and have called Equifax XXXX times and each time I am told the XXXX  fax system is under maintenance. Two of those times I was with my loan agent. I called on XX/XX/2021 after leaving my agents office an was told they were still under going XXXX. I am stuck and have no other option but to file a report. My loan agents name is XXXX XXXX she works for Guaranteed Rate. Her email is XXXX. Thank you have a great day.
Consumer complaint received 2024-11-01
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. (PA)

I am contacting you to request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of identity theft stemming from a data breach, and these accounts and inquiries are not mine. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information removed from my credit report. 
Accounts to be Blocked and Deleted : 1. DEPT OF EDXXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 2. DEPT OF EDXXXXXXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. DEPT OF ED/XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} 4. DEPT OF ED/AXXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiry to be Blocked and Deleted : XXXX. XXXX Date : XX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting 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. (DC)

I did not authorize these lenders or companies to obtain my consumer report or anything about me, I want the inquiries removed of my consumer report as soon as possible because it is hurting my ability to obtain credit, or I will take legal action as soon as possible. I have been a victim of identity theft before, and lenders keep requesting for my consumer file and I did not authorize any of this.
Consumer complaint received 2022-05-25
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Consumer complaint received 2024-11-02
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It XXXX Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b.

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : XXXX. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report. 
XXXX. Provide the names of any entities that accessed my information without permission, along with the reason for access. 
XXXX. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Consumer complaint received 2021-09-07
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. (PA)

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.
Consumer complaint received 2022-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

Have you heard about the more recent phishing scams using PayPal invoices? I think there is some liability on PayPal 's part. When my elderly relative received an invoice sent via XXXX he hovered over the return address to verify the sender. It really was sent from XXXX, and further it appeared to have been sent by " Billing Department of PayPal '' because the scammers had set their PayPal account company name to be " Billing Department of PayPal. '' *It seems outrageous that PayPal lets scammers use company names like that, which are so obviously designed to defraud people. * It made the phishing message seem even more legitimate. The message claimed to be alerting my relative to a possibly fraudulent pending charge. The charge would be posted in 24 hours. Since the message really came from XXXX and was sent by " Billing Department of PayPal, '' my relative believed it and called the toll free number provided in the email, and was scammed for almost {$70000.00} by two people over the course of two days. There was an initial scam and then a " fraud investigator '' contacted him to further scam him. It's sickening.

The scammers sent wires out of my elderly relative 's bank account, but since his PayPal account was unharmed PayPal hasn't been very helpful. They won't even let him file a complaint.

PayPal should not let scammers set up company names like " Billing Department of PayPal. '' That's entirely within PayPal 's control. They are letting scammers use their platform to defraud people and they don't seem to be doing much about it except tell people to report suspicious messages. That's not enough to protect the less scam-savvy members of society. 

Thank you in advance for any pressure you can put on PayPal to change this outrageous policy.
Consumer complaint received 2024-11-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (GA)

My insurance company deem my vehicle as total around XX/XX/2024 I was informed I had to wait for my insurance company to inform them which they did, not I can't get gap to pay off my vehicle so I canget another vehicle today my account is overdue by XXXX months I paid XXXX statement XXXX but my car was total in XXXX