davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

Debut card case # XXXXXXXX XXXX  I had several unauthorized transactions with a merchant called XXXX, which whom XXXX have an account. Those transactions were never authorized by me. I file a dispute with Truist Bank. They denied my dispute because I previously have authorized this merchant to debit my account therefore I do not have any right to dispute any transaction with them.
Consumer complaint received 2023-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Between XX/XX/XXXX threw the XXXX of XXXX  a account with ( XXXX XXXX XXXX ) was taken care of in full and then was CLOSED! I have the pictures to show this! Well not even 2 months after it was closed and off my credit report it shows back up and shows a balance of {$1000.00} which is NOT CORRECT! I have sent in disputes and fought this for the last 8 months and get nowhere! They had it off my report and then put it back on. This is not the only account either!! The XXXX account with ( XXXX XXXX XXXX ) was also taken care of in full and was then closed and off my credit report and I have the photo to also prove this! This account is now showing a {$1300.00} balance. Both of these accounts were taken off originally between XX/XX/XXXX threw the XXXX and they are both back on my transunion credit report and it is affecting my score by XXXX which I have worked so hard to get my score up bud to where it was because I had a ex wife that tried to take me for everything but didnt succeed. Can u please help me in getting this in accurate info taken off my trans union credit report! I dont have any collections because I have worked hard and pay my bills!
Consumer complaint received 2024-10-30
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)

As per the guidance from the consumer financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 40 -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts : XXXX XXXX XXXX XXXX opened XXXX, XXXX, XXXX XXXX XXXX XXXX  opened XXXX. XXXX, XXXX, XXXX / XXXX open XXXX XXXX, XXXX XXXX XXXX  XXXX open XXXX XXXX, XXXX, XXXX XXXX XXXX open XXXX XXXX, XXXX XXXX XXXX open XX/XX/XXXX, XXXX XXXX XXXX GA open XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX open XX/XX/XXXXXXXX XXXX XXXX  open XX/XX/XXXX.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (CA)

Debt collection agency has refused to validate debt. 

They have called and refused to state the nature of the call. They use deceptive techniques and harassment. 

They present themselves as an attorney, but our only debt collectors I have repeatedly told them that I needed to see a validation in order for me to speak with them, and they have not provided
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (VA)

TD BANK ALLOWED ME TO OPEN A ACCOUNT ONLINE IN XX/XX/2023... ONLY THEN TO RESRICT M ACCOUNT A FEW MINUTES LATER. I CALLED FOR XXXX DAYS TRYING TO FIND OU WHY M ACCOUNT WAS CLOSED. I WAS TOLD I HAD TO DRIVE XXXX MILES TO THE NEAREST BANK TO VERIFY MYSELF. THEN WHEN I REQESTED THAT MY ACCOUNT BE CLOSED I WAS TOLD 'NO. ' THEN I WAS TO SEND A LETTER AND NOTARIZE AND SEND IT TO A LOCAL BRANCH TO CLOSE THE ACCOUNT. I THEN RECEIVED A LETTER A WEEK LATER ASKING ME TO CALL TO BE VERIFIED. EACH TIME I GAVE THEM HE CODE THEY REFUSED TO ACCEPT MY CODE. THEN A PERSON NAMED XXXX ACCUSED ME OF IDENTITY THEFT. TD BANK REFUSED TO LISTEN TO ME ... WHEN I TOLD THEM IT WAS ME. THEY WERE RUDE AND MEAN. THE PEOPLE A THEIR BRANCH LOCATTIONS DID THE SAME THING. I WAS TOLD TO CALL HE BRANCHES O VERIFY ME. WHEN THEY VERIFIED ME HEY STILL REFUSED TO BELIEVE ME. I HAD TO CALL THEM FOR A WEEK TO GET THEM TO LISTEN. I THEN HAD TO WRITE A LETTER AND HAD I NOTARIZED TO HAVE MY ACCOUNT CLOSED. I SENT IT TO XXXX IN XXXX XXXX THEY EVEN MADE ME CRY!
Consumer complaint received 2023-07-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

My account with Coinbase has been compromised. I have been trying to get in contact with representatives in order to have my issued fixed. Due to their telephone, I am unable to get a hold of anyone and I'm directed to " open a ticket '' within their website. I am unable to log into their website since my account has been compromised. No one in coinbase is able to assist me.
Consumer complaint received 2023-06-09
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. (CO)

In accordance with the Fair credit Reporting act XXXX XXXX XXXX, has violated my rigths. 

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. 

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested.
Consumer complaint received 2024-10-30
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-31
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. (NY)

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 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 2019-11-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald AR Systems, LLC (TX)

I had an on the job injury involving my XXXX XXXX. I was given a claim number regarding my injury through XXXX, Department of Labor. My Doctor ordered an XXXX at XXXX XXXX XXXX XXXX XXXX  approximately XX/XX/XXXX. The bill was never paid by the Department of Labor because if an incorrect code on the bill. I started to receive letters saying I either pay the bill or it goes to collections. I have called both XXXX XXXX on numerous occasions as well as 3 way calls with my Human Resources dept with XXXX XXXX. The last conversation with XXXX XXXX was approximately XX/XX/XXXX and I was told that the Department of labor paid the bill of {$1200.00} but there was a banking issue with them receiving the funds. I was told that same conversation that I would be taken off the collections effort by Emerald Ar collections. I asked for a receipt of this transaction either by mail or email and the person I spoke with said they would proof that the situation was handled and it was in their hands to get the banking issue resolved. I have spoken with the DOL and they claim they paid the bill as well. 
The debt collector Emerald Ar collections just charged off the entire amount {$1200.00} to my impeccable credit lowering it about 60 points as of XX/XX/XXXX. 
XXXX XXXX Is located XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, phone ( XXXX ) XXXX Emerald Ar Collections phone ( XXXX ) XXXX. Please help me in this matter as I dont know what else I can do. Thank you for your time. Respectfully.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OK)

Since XX/XX/2020 I was to make 3 trial payments of XXXX made those then signed loss mitigation papers to caliber for payments of XXXX on XXXX XXXX have made all payments then I got a statement from Fay servicing saying that they were putting my payment of XXXX in an unapplied fund now they are saying my payment is XXXX saying my payments are behind. Fay servicing would call my home when answered it was me would reply I can't speak to you at this time, have tried calling them but get nowhere at all I contacted caliber they said contract is valid and a copy was sent to Fay servicing as well. I'm trying to save my home from there reckless disregard
Consumer complaint received 2024-10-30
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)

To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. 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 have also enclosed copies of the documents supporting my dispute. Federal Trade Commissions identity affidavit. Please delete the items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consu
mer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allegod identity theft, not later than 4 business days after the date of receipt.

It has boen 30 days and you are in VIOLATION of this law because I am a victim of identity 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 report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-30
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX OF XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Consumer complaint received 2023-07-28
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to request the immediate removal of the following accounts and information from my consumer report. It is imperative that the listed accounts and information should not be reported, as their inclusion violates the FDCPA and FCRA regulations. I kindly ask you to take prompt action to delete and remove these accounts and information from my consumer report to ensure compliance with the relevant laws. Your urgent attention to this matter is greatly appreciated. Thank you.
Consumer complaint received 2023-06-07
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. (VA)

I hope this letter finds you well. My name is XXXX XXXX, a federally protected consumer. I am writing to inform you that I have recently discovered that I am a victim of identity theft. After returning from a XXXX in XXXX with my wife, I was shocked to find that my credit has been severely compromised. The past seven years have been spent abroad, making it unnecessary for me to utilize American banks. However, upon returning and checking my credit report, I discovered various fraudulent activities, including unauthorized addresses, a different social security number attached to my consumer report, and unfamiliar names. 

I am deeply concerned about the impact this identity theft has had on my creditworthiness, particularly as it is hindering my ability to provide a stable home for my family. We are currently unable to purchase a house due to the presence of these fraudulent accounts on my credit report. 

To support my claim, I have attached a copy of the police report and the identity theft report, both of which detail the fraudulent activities I have encountered. I kindly request that you thoroughly investigate the matter and take immediate action to remove all fraudulent information from my credit report within four business days. 

Below is a list of the fraudulent accounts that need to be addressed : XXXX. XXXX - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX  - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. - Account Number : XXXX XXXX. XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX & XXXX Additionally, I would like to bring to your attention the following fraudulent address and social security number associated with my consumer report : Fraud Address : XXXX XXXX XXXX, XXXX, MI XXXX Fraudulent Social Security Number : XXXX I kindly request that you provide a genuine response to this matter, considering the urgency and severity of the situation. Please ensure that the response is not an automated or generic response from e-oscar. 

I appreciate your immediate attention to this matter and your cooperation in resolving this identity theft issue promptly. Should you require any additional information or documentation, please do not hesitate to contact me at the provided contact details. 

Thank you for your understanding and assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-28
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. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-06-09
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. (FL)

I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. I submitted a dispute before to your company regarding XXXX XXXX, XXXX XXXX, and XXXX. XXXX, XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.
Consumer complaint received 2023-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WI)

My XXXX XXXX XXXX son ( XXXX XXXX ) was XXXX in action on XX/XX/23 while fighting with the XXXX XXXX in XXXX. My wife and I have maintained contact with several of my son 's fellow soldiers who are still in XXXX fighting on the front lines. 
One of the soldiers mentioned that they were doing a collection within the unit to purchase a badly needed drone since their unit was never issued one by the XXXX military. 
I asked how much the drone costs and was informed that a quality drone with thermal imaging runs about {$5500.00} ( USD ). I told the soldier that my wife and I would be happy to purchase the drone for them since they are so important and save lives on the battlefield. Needless to say, they were very appreciative. 
I sent {$5500.00} through Paypal, only to discover Paypal was holding the funds and not releasing them. The soldier ( an American ) refunded the money and so I decided to send a couple of smaller payments. The soldier receiving the funds managed to get the funds released except for {$1700.00} which Paypal put on hold. When the soldier contacted Paypal they informed him that the funds were being frozen for 180 days and that his Paypal account was permanently frozen and banned. When he asked why, the contact person refused to give him an answer. 
Paypal is notorious for pulling shady stunts like this with no explanation. I tried calling Paypal myself to see what I could do to get the funds released and was told there was nothing they could do since it was not my account that was frozen. 
I did file a dispute with my credit card company, but I doubt it will resolve this problem.
Consumer complaint received 2024-10-30
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 formally request an investigation into several accounts listed on my credit report that I believe are a result of identity theft. I have recently reviewed my credit report and noticed multiple collections from companies I do not recognize, and I have not authorized any of these accounts.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (FL)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.