davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-08
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. (OH)

I have fraudulent inquiries on my credit report that I demand to be removed immediately I have already filed a FTC complaint, the following are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
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. (TX)

Recently checking my credit report i noticed that ive been a victim of identity theft and found numerous credit inquiries i have knowledge of here are the inquiries that ive found : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove these fraudulent inquiries from my credit report.
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. (FL)

ACCOUNTS XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  Account # : XXXX INQUIRIES XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year> I have identified several inaccuracies on my credit report related to collection accounts, which I believe are the result of identity theft. Despite numerous efforts to resolve these issues with the credit bureaus, the errors remain uncorrected. This erroneous information is adversely affecting my credit rating and financial stability. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to have fraudulent information stemming from identity theft removed from my credit report.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-08-08
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)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
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. (NY)

My account with XXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX XXXX  AND XXXXNever Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Consumer complaint received 2024-05-02
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: TRUIST FINANCIAL CORPORATION (FL)

it shows on my credit that on XX/XX/XXXX and XXXX, 2024 my credit was ran through several companies for either and auto loan or lease as i was reviewing my credit I saw these inquiries on my credit report
Consumer complaint received 2024-03-24
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)

I am attaching the letters that should be sent to all XXXX credit bureaus to correct the misinformation on my credit reports which is a violation of FCRA. The credit bureaus are reporting personal loans under mortgage it is not a mortgage loan. I know this because I see it on all my reports and lenders have told me so.
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. (TX)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute accounts do not belong to me. Please remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX  % accuracy that each items is XXXX  % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the account is verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$930.00}
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My problem with equifax started 6 months ago. They were reporting a fraudulent account, by XXXX XXXX as 3rd patty COLLECTOR. XXXX XXXX as original furnisher of debt. I knowing I do not owe neither of these companies, I got a police report I made a affidavit of I'd theft because many other things were on my report that was not mine from XXXX and XXXX. They all took it out. Equifax refuses although they got all legal Info they requested. I received a receipt from XXXX XXXX proving account is closed and I do no5 owe them or XXXX. I sent that to equifax 2 MONTHS ago. I sent it again 30 days ago. I need them to do the right thing. Please delete this is not my account. This is my last attempt to rectify I can not get my place to stay because of this. I did all I was asked. Equifax have been know to obstruct and not follow the fcra gives them 30 days to reinvestigate. It's been way over. I called them yesterday and they said this should be deleted within 24hrs. Still not deleted. I'm gon na be homeless and I need this rectified so u can get this apartment. I show all the proof and phone numbers to furnisher of debt. They know irs fraud. Please act promptly, this has injured me and I need help.
Consumer complaint received 2024-04-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (TN)

On XXXX, we attended a XXXX XXXXXXXX timeshare presentation at the XXXX XXXX XXXX in XXXX XXXX XXXX SC XXXX During the presentation, the sales agent ( XXXX XXXX asked for my wife 's and my social security numbers and dates of birth, ostensibly to qualify us for a potential deal. He said the information was solely to do a " soft pull '' of our credit score. XXXX concealed the forms he filled out on his XXXX, so we had no reason to suspect a problem. 

We declined to purchase a timeshare and did not sign any application form for a credit card. However, unbeknownst to us and without our permission, XXXX XXXXXXXX signed us each up for Barclays credit cards instead. We received notifications from Barclays Bank less than eight hours after leaving the presentation. The next day, our credit monitoring service reported that our credit score had declined due to the new account. Wyndham provided us with nothing to show they planned to open said accounts, so we did not know their actions and, therefore, had no opportunity to refuse. 

My wife and I do not need these additional credit cards and intend to close the accounts immediately. However, closing the accounts will further reduce our credit scores.
Consumer complaint received 2023-06-26
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: Experian Information Solutions Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
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. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX BANKRUPTCY Case Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting XXXX XXXX  XXXX Account Number : **** Please remove it from my credit report.
Consumer complaint received 2024-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: M&T BANK CORPORATION (CT)

This is an on going issue that I've been having with M & T Bank since XXXX. This is also my second complaint about this issue because they are refusing to take responsibility for XXXX XXXX XXXX  not properly closing out my account over XXXX yrs ago or reopening my account and resigning it to someone else. So, I'm on unemployment and when I started my unemployment in XXXX I notice that I wasn't receiving my unemployment in my account. So, I contacted unemployment about it and they informed me that the the XXXX deposits I'm looking for was deposit into my XXXX XXXX XXXX  account and that's when I told them I don't have a XXXX XXXX XXXX account and I haven't had one since XXXX yrs ago. They told me well I have to contact M & T Bank because they took over XXXX XXXX XXXX  to get my money because the account has to still be active because they deposits that where made never bonused back. So, all of a sudden after I had made my first complaint with you guys M & T Bank suddenly was able to find my deposits with the tracer numbers that unemployment provided. 

The reason why I'm filing a second complaint is because M & T Bank has yet to give me my money. They have been giving me the run around. I have provided them with everything I have to prove that this money belongs to me. I gave them the tracer numbers from unemployment, my social, my maiden name that the account would have been under, my old address, and an old account that I had with XXXX XXXX XXXX that I found on my old tax paperwork. I also spoke to every department in unemployment from there consumer department to their advocacy department and even their legal team and all of them said that they don't have a retraction form and that the tracer numbers that they provided me should be more then enough for them to give me my money. They also believe that the account that I had that was supposed to be closed either was never closed and or they reopened it and reassigned it to someone else. I've also came to this conclusion because I've been dealing with the M & T Bank located in XXXX XXXX and the supervisor by the name of XXXX, that I've been dealing with kept asking me over and over again if I had someone on the account with me and I kept telling her no the account only belonged to me but she kept asking me that over and over again in different ways. So, that tells me that they realized something is wrong on their end and I believe they're just stalling me out and hoping I give up. I have spoken to the supervisor at the XXXX XXXX location and I have provided her with unemployment consumer department phone number and their legal team phone number so they can tell them themselves the same thing I've been saying. Which is they don't do retraction forms and that the tracer numbers that I gave them is proof that the money belongs to me.
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. (CA)

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent accounts that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent accounts remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 

I brought this fraudulent accounts to your attention because I was assured that an investigation would be conducted, and the accounts would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent account. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The accounts in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of these fraudulent accounts are not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

am writing a formal complaint to express my extreme dissatisfaction with the handling of a recent fraudulent activity on my bank account, which has left me feeling utterly disregarded and unprotected as a customer of Citi Bank. 

On XX/XX/year>, I discovered unauthorized charges totaling {$280.00} on my account, which were made at a XXXX XXXX grocery store in XXXX. As a resident of XXXX XXXX, I can unequivocally state that I have never visited XXXX, let alone made any purchases there. 

Immediately upon discovering these charges, I contacted Citi Bank 's fraud department to report the incident. I was relieved when I received a call back the next day, only to be met with frustration and disbelief at the response I received. Despite providing clear evidence that the transaction was unauthorized and occurred far from my location, I was informed that the purchase was deemed " legitimate '' by the bank. 

Not only was my claim dismissed without proper investigation, but I was also issued a new card without any further resolution or explanation. This negligence on the part of Citi Bank has not only compromised my financial security but has also eroded my trust in your institution to safeguard my interests as a customer. 

I demand an immediate and thorough review of my case, along with a reversal of the charges in question. Furthermore, I expect a comprehensive explanation as to why my legitimate concerns were dismissed so casually and without proper investigation. 

As a loyal customer of Citi Bank, I expect nothing less than a swift and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and explore alternative banking options. 

I look forward to your urgent response and resolution of this matter. 

Sincerely, XXXX XXXX