davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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. (TX)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting.
Consumer complaint received 2024-10-23
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. (FL)

in accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 u.s.c1681 section 602 A.STATES I HAVE THE RIGTH TO PRIVACY.

15 u.s.c1681 section 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.
Consumer complaint received 2024-10-21
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. (IL)

Years ago I was married and we had a joint account at XXXX XXXX XXXX XXXX, it was a platinum visa card. We then got divorced and the court ordered my ex-wife to pay the credit card off. Eventually, XXXX XXXX bought the debt from XXXX XXXX XXXX XXXX and my ex-wife continued paying until about XXXX of XXXX. Then, they started harassing me and it showed up on my credit reports. I disputed it and they said it all checked out. I provided XXXX XXXX the divorce agreement that included the order and they still continue to try to collect from me. TransUnion is of no help, repeated disputes have done nothing. It is not my debt and it is negatively affecting my XXXX XXXX. I don't know what else to do.
Consumer complaint received 2024-10-03
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (OR)

I filed a CFPB identity theft repot on XX/XX/year> along with a police report after I was made aware of Identity theft. I disputed the charge of XXXX Wells Fargo then sent a letter stating they were up holding the charges and found that I had loaned or given permission to charge on this account. I then disputed the charge again providing again police report signature of affidavit and invoice showing purchase was picked up at XXXX XXXX XXXX location. Wells Fargo then came back and stated that signature on the in was VERY similar to the declaration of fraud the purchase was delivered to your address and the claim was processed appropriately I again filed yet another dispute again requesting that Wells Fargo review invoice showing items were not delivered to me. At this point I felt Wells Fargo had grossly miss handled this fraud investigation not looking at the mounds of evidence presented to them by me police reports affidavit of signatures FTC identity theft report invoices showing purchase was picked up at a ware house some 80 miles away. I was forced to seek out an attorney for a case that had been grossly miss handled. Wells Fargo went as far as accusing me of falsifying police reports. I want Wells Fargo to Fully investigate the miss management of this case I want full reimbursement of attorney fee 's of XXXX. Wells Fargo has since found in my favor how ever still reporting late payments and a balance on all my credit reports. XXXX XXXX Escalations Rep assured me this would be investigated when I spoke with him and he assured me Wells Fargo reversed its decision yet I still show 120 days past due. This should have never been so grossly miss handled that I had to seek Legal Counsel to resolve this matter.
Consumer complaint received 2024-10-23
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1400.00}, which exceeds the original credit limit of {$1200.00}, reflecting a utilization rate of 125 % despite the account being listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX ' status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX ' legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$850.00}, as the account has been closed and charged off. Reporting a balance as past due after a charge-off is inaccurate, and I request that this be corrected under FCRA 15 U.S.C. 1681i. The worst payment status, marked as Charge-off, along with inconsistent payment history, also violates FCRA 15 U.S.C. 1681c, and must be corrected or removed. Lastly, I dispute the remarks, which state " Consumer disputes after resolution ; Charged off account. '' I do not agree with the resolution of my prior dispute, and these remarks are misleading. They should be removed in accordance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Consumer complaint received 2024-10-21
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)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX - XXXX - XX/XX/XXXX - {$96.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
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. (FL)

I couldnt believe it when I checked my credit report this morning and saw accounts that shouldnt be there. I have no idea how they got there. I always review my credit report, and suddenly, there were these errors. I tried refreshing the page, hoping it was just some glitch, but the mistakes didnt go away. Im asking for a thorough check of the documents Ive provided because this issue needs to be resolved so I dont have to deal with this worry ever again.
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc (AL)

I bought a washing machine from a website that claimed to be XXXX for {$50.00} back in XX/XX/2024 and received a confirmation email from them and created an account and went back in the site to see the order confirmation. However when I tried to contact them about the delivery of it via phone. The number showed up as a XXXX  on caller ID and it went straight to voicemail so I became suspicious and sent them an email requesting to cancel the order via reply as well as the email listed for customer support and both emails were undeliverable but chime had already processed the payment and they said I could dispute the charge and that's what I have been doing since then but they have denied it twice now and now they are you going to pay them again out of my secured credit builder card. They sent me the email this morning saying it will go into effect on my next statement and I will not be victimized twice by both the people who first scammed me and again by Chime. So please keep this from occuring. I never received the washing machine and I can't prove that it wasn't delivered. How do I prove it wasn't delivered.
Consumer complaint received 2024-10-21
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. (MD)

I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.
Consumer complaint received 2024-10-23
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. (GA)

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX, I mailed a formal dispute letter to TransUnion via XXXX certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ). In this letter, I disputed the following issues on my credit report : Negative accounts reporting with discrepancies and inaccurate information. 
Unauthorized inquiries that I did not approve. 
Incorrect addresses showing on my credit report. 
Despite including all necessary documentation to verify my identitysuch as a government-issued ID, Social Security XXXX XXXX and current proof of addressTransUnion failed to conduct a proper investigation as required by law. 
I received a response from TransUnion, dated XX/XX/XXXX. In the letter, they refused to conduct any investigation into the disputed items, unauthorized inquiries, or incorrect addresses. The response stated : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item of information in their file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion failed to fulfill this legal obligation, despite me providing all necessary documentation to verify my identity.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX XXXX  account and requesting a re-investigation of all reported details. First, I dispute the balance of {$1200.00}, which exceeds the original credit limit of {$900.00}, reflecting a utilization rate of 136 %, even though the account is listed as charged off. This is inaccurate and misleading. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX XXXX XXXXXXXX XXXX status as the creditor. I do not acknowledge this debt, and I request proof of XXXX XXXX XXXX Banks legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$1200.00}, since the account was closed and charged off on XX/XX/year>. Reporting a balance as past due after a charge-off is inaccurate and should be corrected under FCRA 15 U.S.C. 1681i. The worst payment status listed as Charge-off, along with inconsistent payment history, violates FCRA 15 U.S.C. 1681c and must be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank (CA)

I am filing this complaint to dispute inaccurate credit reporting related to my First ProgressXXXX XXXX account, Account Number XXXX. The account was last updated by XXXX on XX/XX/year> and by XXXX on XX/XX/year>. 

I have taken the following actions to resolve this matter directly with the credit reporting agencies and the creditor : I have sent multiple requests for debt validation and account verification, but no sufficient documentation has been provided by First Progress to confirm the accuracy of the reporting. 
I have disputed this information with XXXX and XXXX, but the inaccurate information remains on my credit report. 

The balance and status of this account are being reported inconsistently by both XXXX and XXXX, despite my efforts to correct this information. 
The reporting addresses for the credit bureaus involved are as follows : XXXX : XXXX XXXX XXXX, XXXX, GA XXXX XXXX : XXXX XXXX XXXX, ( Credit File ), XXXX XXXX, TN XXXX This inaccurate reporting is negatively impacting my credit score, and I am requesting the CFPBs assistance in resolving this issue and ensuring that First Progress and the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed from my credit file due to the failure of the companies involved to provide accurate and verifiable information. 

Thank you for your attention to this matter.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I submitted a complaint through CFPB in XXXX of this year for accounts on my Transunion report, it was found that some accounts are inaccurate. Those accounts are still reporting on my credit report.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (MI)

I am wanting XXXX XXXX XXXX XXXX inquiry deleted because I did not authorize this company to run my credit this is fraudulent.
Consumer complaint received 2024-10-01
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (VA)

Received a response and the executive office will not call me to answer my question. I have called and left a voicemail several times and they express that I would receive a call within 1 business day. Still no call. Also the response that they provided is inaccurate. Please have someone call me or else I may seek legal action.
Consumer complaint received 2024-10-23
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)

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$3300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3700.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$6700.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-23
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. (IL)

: ( XXXX XXXX XXXX, ( XXXX ), ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of account opened at XXXX XXXX. on XX/XX/XXXX Account number ( XXXX ) a credit card opened at at XXXX on XX/XX/XXXX Account number ( XXXX ) a credit card Opened at XXXX on XX/XX/XXXX Account number ( XXXX ), credit card Opened at XXXX  on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ) an credit card account opened at XXXX on XX/XX/XXXX Account number ( XXXX ) XXXX on XX/XX/XXXX Account number XXXX, A credit card XXXX  XXXX on XX/XX/XXXX account number ( XXXX ). A credit card account XXXX on XX/XX/XXXX Account number ( XXXX ). A bankruptcy public record account US DIST CT on XX/XX/XXXX Account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.