davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-16
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: CITIBANK, N.A. (TX)

Dispute XXXX. I bought XXXX pairs of pants from merchant XXXX XXXX. XXXX XXXX provided me with subpar clothing that ripped easily and were of completely different sizing ( some size XXXX fit like size XXXX, some size XXXX fit like size XXXX, etc ), I requested a return and XXXX XXXX provided me with a return shipping label. However package was lost in transit and XXXX stated they have an agreement with XXXX XXXX that it is XXXX XXXX 's responsibility to compensate me. 

XXXX XXXX responded to my dispute with a tracking number showing that the original XXXX pairs of pants were delivered to my house. This is completely irrelevant to my dispute. 

Instead, Citi ruled that XXXX XXXX is not responsible, and that I should be charged, despite XXXX providing documentation in support of my situation. 

I called Citi and yelled at them for siding with merchant, despite the fact that XXXX has clearly stated the merchant is responsible. They hung up on me and then a supervisor again stated they will refuse to refund me. 

My dispute with Citi is that they refused to look at any of my documentation, and furthermore they sided with the merchant who provided an irrelevant response. This is completely negligent.
Consumer complaint received 2024-07-03
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)

I recently checked my credit reports and noticed billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a )
Consumer complaint received 2024-07-03
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. (GA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 2024-07-03
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. (CA)

According to 15 USC 1681c-2 section ( a ) ( 2 ) specifically states : 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer 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 alleged identity theft, not later than 4 business days after the date of receipt by such agency of Remove the following accounts/information from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my addresses i have never lived there.

With proof of my identity theft report submitted with this complaint, the following accounts & inquiries must be deleted from my credit report without further investigation no later than 4 business days after receiving this complaint or the credit reporting agency that received this complaint will be held liable to me in civil court as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ) ;, you are liable to me for statutory damages for your misconduct, in addition to your deletion of the disputed account mentioned, you are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX issued, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowed period to conduct such a reinvestigation has expired and shall not be extended by law.

Within 4 days, ( 1 ) DELETE the accounts & inquiries in mentioned & ( 2 ) send me the {$1000.00} check to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-08
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: Experian Information Solutions Inc. (SC)

I had an account with XXXX acct # XXXX which was never late and was removed from my XXXX credit files due to inaccuracy and fraudulent practicesXXXX/EXPERIAN continue to report a chargeoff on my credit profile that is illegal and was never late they have chose to report account as chargeoff dated XX/XX/year> with NO data of my previous payments that were made this account has several inconsistencies as you will see below it reports what it wants to please remove this from my credit file immediately. 
This account Isa true VIOLTATION of THE FAIR AND ACCURATE CREDIT TRANSACTIONS ACT. 

XXXX XXXX reported 25 late payments XXXX XXXX reported 35 late payments XXXX XXXX reported 32 late payments XXXX XXXX reported 30 late payments XXXX XXXX reported 57 latepayments Just a kindly reminder that these are all violations that are on record and are damaging both financially and mentally it has caused me inability to acquire credit for my household.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was unsure as to whether or not this complaint should be " filed '' under the store credit card or under the consumer credit-reporting agencies. 

I am 69 years of age, and keeping an unblemished credit score for the past 55 years is something in which I take great pride. 

Prior to this situation, my credit score was XXXX. 

Due to not having received a monthly statement for two consecutive months from my XXXX XXXX XXXX XXXX XXXX  XXXX from what I've been able to gather was for a balance of ~ {$57.00} -- my once unblemished credit score took a XXXXpoint nosedive to XXXX. 

A drop in my credit score from XXXX to XXXX -- over a balance of {$57.00} -- seems very heavy-handed to me. 

I've chatted with XXXX ( on XX/XX/24 at XXXX ), XXXX XXXX XXXX on XX/XX/24 at XXXX ), XXXX ( XXXX XX/XX/24 at XXXX ), and one other employee of XXXX. 

Simply stated, I am infinitely more concerned about my credit score than I am with a {$40.00} late fee and minimal interest. 

When I chatted with XXXX, she explained that according to her computer, the two statements that I didn't receive were, in fact, sent to me by XXXX. I know I didn't receive them. Although I wasn't thrilled with sharing the following, I said : " OK. Let 's accept that you sent me these statements. Do you have proof that I received them? '' My personal policy is to pay my c.c. balances only upon receiving statements. Mind you, for many months, my XXXX balance was {$0.00}, as this c c. is one that I use only at XXXXrelated retail stores. 

It was also shared with me that, " When an account is 30 days past-due, the account is reported to the credit-reporting agencies! '' Lastly, XXXX " removed '' a late fee of {$16.00} as well as interest of {$2.00}. 

And yet, my credit score dropped from XXXX to XXXX ( XXXX points ) over a balance of less than {$60.00}. 

I appreciate your assistance in advance, XXXX
Consumer complaint received 2018-03-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I am requesting the financial outline to submit a full modification package to XXXX XXXX XXXX dba Mr. Cooper, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I was going back-and-forth with XXXX XXXX on them reporting that my account was late, but my account was compromised due to fraud and authorized payments were used. So due to fraud, they sent me a letter saying that my account was never late, but the credit bureau will not change that.
Consumer complaint received 2020-09-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I checked my credit report and notice to many hard inquires on my credit report from a car reporting agency they pulled my credit with out my consent I need them removed immediately.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Consumer complaint received 2024-07-03
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)

Transunion has failed to send me the proper licensing, title, bond, and original contract to verify a debt they are stating that I have. I am not liable for this debt of {$2400.00} with XXXX XXXX XXXX Account number XXXX. I do not have an account with XXXX, I have reached out to Transunion to verify the debt from XXXX  and they did not provide me with an original contract with a wet signature and I.D . verification. Nor did they provide me with a copy of the original licensing title and bond from XXXX back dated to XXXX of XXXX  which is the date this item was added to my Transunion credit profile stating they have legal authority to collect on a debt in the state of Texas. 



I have attached proof that this company XXXX is not properly licensed or bonded to collect on this debt and I am requesting that it is immediately removed from my Transunion profile!
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX and distress
Consumer complaint received 2024-07-15
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: Shellpoint Partners, LLC (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-26
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-03
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. (GA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-02
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. (DC)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

Currently, property in question has XXXX XXXX  and HELOC. Owners divorced ex husband was ordered to pay HELOC, he did not pay. We jointly listed house for sale after foreclosure was filed in XX/XX/2024. My foreclosure attorney, had mediation for foreclosure on XX/XX/2024, which he informed Plaintiff 's attorney house was under contract and closing date was XX/XX/2024. The same day the loan was transferred to a different loan servicer XX/XX/2024. We have been trying to get a payoff number so we close on the home. The new servicer is refusing to give payoff, although everytime I call spoke to XXXX, XXXX, XXXX and many other promise payoff by the end of day on recorded line, it never comes then when I call back they tell me none of those people work there and the phone extensions they gave are incorrect. I believe given the date of transfer on mediation date, they are attempting to steal home equity by not producing the payoff scaring of the buyer and losing the sale so they can take the home in foreclosure. Mortgage companies invloved are XXXX XXXX XXXX XXXX and Select Portfolio Servicing.
Consumer complaint received 2024-07-03
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.