davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-06
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 

RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2023-07-06
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. (CA)

When I investigated my credit report, I realized that the same accounts was erroneous. The XXXX, XXXX and TransUnion credit Bureaus are required to reinvestigate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$2800.00}, XXXX XXXX XXXX XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX Balance : -
Consumer complaint received 2023-07-06
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. (NJ)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-07-06
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Forster & Garbus LLP (NY)

im not liable for this debt posted on my credit report. I do not have a contract or sign any documentation so how is these my accounts.I sent numerous letter in the past disputing the negative account.I sent out request to the original contract asking for proof and all I received was a bill and A letter threaten to sue me and take my money unless I make a payment.i attach the document below
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (FL)

CREDIT COLLECTION SVCS I XXXX XXXX XXXX XXXX, MA XXXX XX/XX/year> NOTICE OF DISPUTE TO : CREDIT COLLECTION SVCS I, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt purdusnt to 15 USC 1682g. I REQUEST THAT YOU PROVIDE ME VERIFICATION OF THE ALLEGED DEBT.

VERIFICATION CONSISTS OF PROOF THAT THIS ALLEGED DEBT BELONGS TO ME. A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTH OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE XXXX-HAND KNOWLEDGE AND MUST BE NOTARIZED. 

Since this is disputed pursuant to the Fair Debt Collection Practices Act. you are requiredto cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX AND XXXX. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal per 15 USC - 6802. I hereby inform that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

You are in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Biley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with Section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide the Aggravated ValueOf Purchase showing how much you paid for this debt. IT IS A MATERIAL MISREPRESENTATION FOR YOU TO ATTEMPT TO COLLECT ANY AMOUNT MORE THAN WHAT YOU PAID FOR THIS DEBT WHICH IS FRAUD UPON THE COURT AND FALSE & MISLEADING. 

THIS IS A WARNING YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 

Sincerely, XXXX XXXX XXXX BENEFICIARY
Consumer complaint received 2023-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FISERV INC. (AK)

Since the year of XXXX, a called Card Connect, has been charging my bank account with a {$130.00} every month till present, XX/XX/XXXX. I have spoken with many merchant services Representatives that say they can help me but unfortunately have not. They have told me to call a different Company called XXXX XXXX because they have switched companies in XXXX. I've done my due diligence in acquiring what i needed and what the merchant representatives have told me to do. Please help me. Thank you
Consumer complaint received 2023-07-05
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. (GA)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

My information was sold illegally I was a Victim of XXXX XXXX XXXX. No actions has been taking I did check to see if my information was impacted by the XXXX XXXX XXXX. Claim has been filed against XXXX
Consumer complaint received 2024-08-29
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: EQUIFAX, INC. (CO)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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: CITIZENS FINANCIAL GROUP, INC. (MA)

I have credit monitoring through XXXX and as part of that, my credit is always locked. I was under the impression that this locked my credit all around, but clearly I was mistaken. XXXX has made me aware of the following inquiries and underneath, you will see the actions I have taken. For the blocked inquiries, I have not taken any action. 

XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry by XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX Blocked a credit file inquiry from XXXX XXXX XXXX XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX  got a copy of my XXXX Credit Report -I have called XXXX XXXX, they said an application was put in for a XXXX XXXX on XX/XX/year> and they marked the application as fraudulent and passed it onto their fraud department, they would not send me a letter of deletion to have this removed from my credit. 
-I called XXXX and put a freeze ( they said this would take 24 hours, so if another one happens today, that will be problematic ) on my credit report and put a fraud notice on my credit for 1 year. Conf # XXXX They refused to help in any other way like communication with the banks that they gave my credit reports to. 

XXXX ) XX/XX/year> XXXX XXXX got a copy of my XXXX Credit Report -I called XXXX and put a freeze on my credit. They told me that they would also notify XXXX XXXX. I'm not sure if this is the same XXXX one that inquired into XXXX the same day? 
-See above for communication with XXXX XXXX. 

XXXX ) XX/XX/year> Citizens Bank got a copy of my XXXX Credit report. 
-I called Citizen 's Bank and they told me that they were sending it over to their fraud department, but could not verify if an application had been put in for a card or a loan. The Case ID # is XXXX XXXX XXXX XXXX above 6 ) XX/XX/year> XXXX Blocked an Attempted Installment Loan Inquiry from XXXX XXXX XXXX XXXX 

Hopefully no other requests are placed within the XXXX period XXXX said it would take for the freeze to be in effect.

I am hoping that you can help me get these inquiries removed from my credit report and/or provide me with the necessary documentation to send to the credit agencies. 

Thanks so much!
Consumer complaint received 2024-02-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: PENTAGON FEDERAL CREDIT UNION (FL)

Lack of transparency regarding AUTO-RENEWAL and NO GRACE PERIOD for Certificates of Deposit by Pentagon Federal Credit Union ( PENFED ). 
I was not told verbally or in writing when I opened a very large CD ( opened XX/XX/XXXX, matures XX/XX/XXXX ) that PENFED has no grace period and that an online auto-renew switch must be turned off by the customer to stop a CD from renewing immediately at maturity. An online auto-renew switch is not a legally binding document and is susceptible to technical glitches and errors. I mailed PENFED a certified letter instructing them not to renew my CD at maturity and to provide me with a written document reflecting my request. A review from a dissatisfied PENFED customer and a XXXX article alerted me to what appears to be PENFEDs attempt to cause unsuspecting CD holders to unintentionally renew a CD and then be on the hook for early withdrawal fees.
Consumer complaint received 2023-12-04
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (OR)

I received a message on my phone from Citibank on XXXX XXXX stating I was in default on my Home Depot account. I immediately called the number in the message and paid the entire amount due. Then I went to look up the account at Home Depot and learned they had the incorrect address listed. I entered the correct address and tried to contact someone at Home Depot but could not. I then called Citibank to explain to them that I have not received any statements from my Home Depot account because they had the incorrect address and I wanted them to get my correct address on the file. I also said I made the payment immediately and I did not want my account to show a late payment. Citi told me they couldn't help me ; it was my problem. I pointed out that I had other Citi accounts and I had never made a late payment or missed payment and that they could not help me. I wished to get copies of the previous statements, but I was not able to do so. I have not been able to get ahold of Home Depot to help at all.
Consumer complaint received 2023-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Kohl's/Capital One closed my account before my payments was 6 months/120 days past due. 
There was a payments made XX/XX/2023 in the amount of {$100.00}! 
XX/XX/2023 in the amount of {$100.00}. 
My credit limit was {$300.00}. 
My balance as of today is {$240.00}. 
I've contacted Kohls/ Capital One and the representative offered to remove the late fees, but wasn't willing to explain why my account was closed before the 6 months/120 days of not receiving a payment! I've never been offered a payment plan or the opportunity to reconcile my account. When I asked to speak to a supervisor, I was told the supervisor wasn't available. According to my credit report Kohls closed my account XX/XX/2023
Consumer complaint received 2023-07-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

Between XX/XX/2022 and XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of 0.3875 BTC ( XXXX USD at the time ) from my CashApp account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether CashApp did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii )
Consumer complaint received 2023-07-05
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. (TX)

I am the author of this complaint. I notice some inaccurate and incomplete information on my credit report. I'd like a thorough investigation and a deletion of the following accounts mentioned in the letters attached to this complaint. My social security card and a picture of my driver 's license is included within the letters attached either
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (MI)

During the first of XXXX XXXX  we tried to buy a car to replace the one we lost in hurricane Ian. The dealership informed us that due to my poor credit score we could not borrow the money. My credit score has been consistently in the 800+ range so this was a shock to me. I found out that in XXXX of XXXX someone borrowed money from Affirm and bought five airline tickets from XXXX and flew five people between XXXX and XXXX, XXXX. The amount they borrowed in my name was {$690.00} from what I can gather. One of the people listed on the itinerary used my name. We did not have any knowledge of this. XXXX said an email was sent to me but I do not have any record of receiving one. I contacted Afirm and explained this. They said they would investigate it. Affirm latter told me that they investigated and that they believe that I did it. 

This is impossible due to the fact that my wife and I were in the United States at this time. In the end of XXXX XXXX  my wife and I drove to Florida to deal with the house we lost during hurricane Ian. We arrived in Florida during the first week of XXXX and remained their until we drove back to Michigan at the end of XX/XX/. I have phone records from XXXX verifying this. I also have witnesses that can verify this also. 

I have made several calls to Affirm to get this resolved. Most of the time I am unable to understand what they are saying due to their strong accent. I keep getting told it will be taken care of but nothing has. Affirm as now turned this over to a collection agency called XXXX. I need someone that can help me get this resolved please. I have been told that this will negatively affect my credit for seven years. Please advise me on what I should do.