davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-09
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. (IL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc. (CA)

XXXX Dear, THE CBE GROUP INC I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I'm requesting this * because I have had different companies reach out to me about the same alleged debt. ACCOUNTTHE CBE GROUP INC ACCOUNT # XXXX I am requesting immediate deletion of all prior reporting made to my consumer reporting agencies, XXXX, XXXX, XXXX and XXXX, you must cease collection efforts until this alleged debt is validated.you must show proof that you legally own this alleged debt and that it is accurate and complete SINCERELY
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer 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 ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (SC)

There are inquires on my credit reports that i did not authorize : XXXX XXXX XXXX, XXXX XXXX syncb/lowes, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-08-08
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-09
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. (FL)

violation of 15 U.S. code 1681 Third Party Agency XXXX XXXX XXXX failed to comply with requirements to i the consumer in order to report to any credit bureau. XXXX failed to follow dispute guidelines, CRA violated the FCRA by not following the guidelines for handling disputes. Verification letters were sent off on XXXX and XX/XX/year> requesting proof to be given within a 15 day time frame which has passed. No proof was sent back regarding verifiable proof, an original consumer contract with my signature on it for the account listed. 
Debt claimed owed : {$990.00} Original Creditor : XXXX XXXX XXXX
Consumer complaint received 2024-08-08
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)

I have some credit card accounts that are fraudulent I submitted a FTC report and identification and letter asking that these accounts be removed XXXX # XXXX. XXXX XXXX XXXX XXXX # XXXX amount XXXX
Consumer complaint received 2024-08-09
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. (NC)

I have noticed several items on my XXXX XXXX that I do not recognize, which suggests that my XXXX may  have been stolen. I did not authorize these accounts, and I have previously raised this issue. I am now requesting that these unauthorized accounts be removed from my XXXX  immediately. Their presence is causing me XXXX XXXX and does not accurately reflect my XXXX XXXX or financial management. Addressing this issue has been challenging, and if it is not resolved, I am prepared to take legal action to protect my rights. These erroneous items are severely impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter promptly.
Consumer complaint received 2023-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..
Consumer complaint received 2024-08-30
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (TX)

On XX/XX/XXXX, I got a call from my bank American Express business checking due to suspected fraud. I was told someone had tried to use my card to purchase something from XXXX  in XXXX, and was asked if this was me. I said no as it wasnt me and I didnt recognize the transaction as I was in XXXX XXXX I was told by representative on the phone that they will decline the transaction. Still on the phone with the representative, upon checking my account, I noticed {$5600.00} had being wired to someone that same day and that wasnt me. I told the representative and he said ok its okay the will block the transaction and I should receive my money in 5 to 7 business days and no one can access my account except me on my phone. He said he will follow u with me next day. The next day XX/XX/XXXX, when I was on the call with a representative, I login to my account and notice {$3400.00} had been wired to that same person. I told the representative how come that happened again when I was told they cant get access to my account after speaking from the previous day. He/ she said she doesnt know. I was told to fill in an affidavit of fraudory at this time to continue with the case. The next day I called to ask for the form and who ever I spoke with said they didnt need me to do any affidavit of fraudulent. I was told they had all what they needed. Since XX/XX/XXXX I have been calling for update because I had not received my money and each time I was told they are still communicating with external bank ( XXXX XXXX  ) and dont know how long it will take. Today XX/XX/XXXX, I called my bank, and I was given the external bank number to call and request for a whole harmless form to be send to them to expedite the case. I called the external and they told me, my bank is the one to send them a whole harmless form. I called back my bank and told them about this, they had me on hold and when the representative came back, I was asked if I did a police report, I said I just recently did. The representative said the external bank sent them an email asking for it on the XX/XX/XXXX. So I asked the representative its XX/XX/XXXX and you guys didnt sent me an email or call saying that is what was requested and I should sent it. I asked if I am the one to call for an update before they are letting me know they were requesting a document from 3 days ago and I was told yes. The bank is supposed to send me an email or call me to send whatever is being requested but they dont do it and wait until I call insisting on an appropriate update on my case before they telling ooh the external bank asked for this 3 days ago! Its been like this with this case. Every time I call, its something else. Someone will say one thing today and the other another thing. Today the need affidavit of fraud form filled, tomorrow another person says no, like there is no communication at their office. Please help. I need my money!
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have had fraud occur with Bank of America in regards to my credit card that was stolen XXXX times by someone to make unauthorized charges. I closed the credit card on XX/XX/year> as I did not trust the bank as to who was stealing my information. 

On the evening of XX/XX/year> I received an email about an application for credit card by Bank of America, which I never applied for. I called them immediately, which I was connected to their fraud department and described the situation that I never applied for a credit card within their company and to cancel it immediately. They did without issues, I did explain that I need investigation of who is impersonating me, why are they trying to steal my information, and what they want from me. 

Unfortunately, I Strongly suspect that someone within the bank Is using my information to impersonate me, and to steal my information. I want immediate action in response from the bank to determine who is stealing my information, applying credit cards in my name, impersonating me and to take immediate action, including prosecution against them. I have tried calling them multiple times, including getting a supervisor and management without response.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CO)

The following items are listed as inquries from Chase, but both customer support at Chase and XXXX can not validate them. It seems to be from identity theft. All the credit agencies said Chase needs to send a removal request, but they refuse to do it. 

JPMCB CARD Inquired onXXXX On record until XX/XX/XXXX JPMCB CARD Inquired onXXXX On record until XX/XX/XXXX JPMCB CARD Inquired XXXX On record until
Consumer complaint received 2024-08-10
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. (OR)

Going back thru 2021 my personal information was stolen from our storage unit, also a vehicle was stolen from the property with personal information, this person was caught and later released from jail, however he tried to purchase many vehicles in my name now all credit bureaus refused to take off inquiries with is hurting me badly, there are over XXXX of them ... from all 3 bureaus I have provided lots of information they have asked for, police reports and case numbers..
Consumer complaint received 2024-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my XXXX XXXX which are unjustly damaging my XXXX XXXX and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-09
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX XXXX  THE XXXX XXXX STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A XXXX XXXX XXXX CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (NJ)

I HAVE RECEIVED A CREDIT CARD BILL FOR AN ACCOUNT THAT DOES NOT BELONG TO ME. 

THIS IS NOW THE THIRD ACCOUNT THAT XXXX CREDIT CLAIMS I HAVE THAT THEY ARE TRYING TO COLLECT. FIRST WAS A XXXX  XXXX, THEN A XXXX  XXXX, NOW AN XXXX  XXXX. I HAVE SENT DEMANDS FOR DEBT VALIDATION XXXX ALREADY AND INSTEAD OF VALIDATING THE DEBT, I KEEP GETTING BILLS AND MORE CREDIT CARD ACCOUNT STATEMENTS FOR ACCOUNTS I DO NOT HAVE.
Consumer complaint received 2024-08-09
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)

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me with the requested information. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I transferred {$5400.00} to XXXX on XX/XX/2024. The transaction was cancelled by Moneygram and they informed me they would refund the money plus the transfer fee of XXXX. Unfortunately they have not refunded. I have been calling them for the past 5 months and every time, they tell me something different. 
On XX/XX/XXXX Moneygram e mailed me saying We wanted to let you know that we have receive your complaint regarding your refund for your reference # XXXX. Can you please share with us your bank details, so we can issue the refund via wire. 
Please mention your case number XXXX in all future correspondence with us. 
I sent them my bank details but nothing happened. I kept calling to no success. Then on XX/XX/XXXX they emailed me saying We would like to inform you that we have completed our investigation regarding your comments. Our records show that your transaction has been refunded back to you. In order to meet our compliance requirements, MoneyGram actively reviews transactions and, from time to time, may put restrictions in place. 
I have asked them to show me where the refund was sent to if ever but they will not comply or reply. My bank has no record of any refund. Its been ongoing for about 5 months now and I need my money back. Please help.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit card with Capitol One. They have closed the account. However, there are a number of fraudulent charges on the account and I am also owed a CREDIT BALANCE of {$69.00} on the account. They refuse to give me that money. They have no right to my funds, which I have request they deposit in my checking account. In their written response, they state they will not refund the money because they will not compensate me for closing my account. This is NOT compensation, it is my money. I also have been robbed and there is a criminal action going on in XXXX XXXX. All my credit and debit cards and identification cards were stolen. I will have a report from the prosecutor this week. They refuse to allow me to dispute any items on this card or appeal their decision on past disputes. They say they have no access to my records. All my statements are there so this is a false statement.