davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
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: CL Holdings LLC (OH)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-09
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. (IN)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I believe my identity is on the dark web, I also believe my social security number is on the dark web. Need all of my information to be removed from that site. I also believe someone else is using my information
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this complaint myself and there is no third party involved. I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (FL)

I was charged on my debit card from an unknown biller when trying to file dispute for the transaction I called chime and someone told me I will be receiving a call shortly when receiving the call back from chime I was told to download an app called any desk and from there all my funds was stolen how can chime let that happen
Consumer complaint received 2024-07-09
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. (MD)

while checking my most credit report I notice a credit inquiry that I didn't recognize XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX INQUIRY DATE XX/XX/year> I did not authorize anyone employed by this company to make an inquirynand view my credit report. This is a violation of the fair credit reporting act section 1681 b c an a serious breach of my privacy rights. 
Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any fradulent inquiries be immediately deleted from my credit file that is maintained under my social security number. 
Please note that you have 30 days to complete this investigation per fair credit act section 611. 
my contact information will appear on this complaint
Consumer complaint received 2024-07-09
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. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-08-01
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$28000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$3000.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2024-08-01
Product: Credit card — Store credit 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. (CA)

On XX/XX/XXXX and XXXX of XXXX purchases were made on my Macys store card. I returned a few of the items by XXXX XX/XX/XXXX at my local Macys ( XXXX XXXX ) and was refunded for the items returned to the store. My XXXX statement shows the returned items and a final XXXX balance. 
No balance in XXXX and them without any purchase made the XXXX statement had a balance of {$300.00}. 
After several calls to Macy 's customer service, with no answer to where the charges came from, a Dispute was filled on XX/XX/XXXX. 
I was told to not make any payments while we are in the process of disputing the XXXX statement and that a resolution will take one to two statement cycles. 
On XXXX XXXX I called Macys again and after speaking to a investigator who told me she could see that for no reason shown the items that were returned to Macys in XXXX where charged back again to the card. She transferred me to another customer service to process the credit. 
I followed up again on XXXX XXXX since I could not see any credits on my Macys card and noticed that the dispute was not resolved as well as I have been charged late fees and past due charges. 
I also received a letter from Citibank who is representing Macys store card letting me know that they will be sending my account to a collection agency if not pain in full. 

My credit score has also been lowered XXXX points due to this dispute. 

I was also told by the Macy 's customer service that they have had issues like mine before that a card has been charged for items that have been returned to thier main store.
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)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-07-09
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)

I've made repeated efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These false entries have severely disrupted my life, leading to considerable stress and worry. I must emphasize that I never gave permission for this information to be linked to my name, as I am a victim of identity theft.
Consumer complaint received 2024-07-09
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. (FL)

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 XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (DC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-08-16
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. (GA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-24
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: Experian Information Solutions Inc. (CA)

I submitted this request that the credit Bureaus will reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, they have failed to respond to my request and send any results about the disputed accounts. 
XXXX XXXX Balance : {$2700.00}, XXXX XXXX Balance : {$2600.00}
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (MA)

I applied through the Freedom Mortgage payment system on their website to have payments split in half every XXXX and XXXX of the month. They have been receiving full payments every XXXX of the month starting XX/XX/XXXX. 

Freedom Mortgage has reported my mortgage payments 30 days late twice, once in XX/XX/XXXX and XX/XX/XXXX. I made both payments on time and presented proof of payments via a 3-way phone call with XXXX XXXX ( my personal bank ) and Freedom mortgage, as well as myself. I also provided bank statements to Freedom Mortgage via their secured messaging website showing proof the payments were in fact made on time every XXXX and XXXX of the month through their payment agreement. 

On XX/XX/XXXX Freedom Mortgage responded and told me they will not honor my request to have the derogatory credit reporting retracted. They also state " The contractual obligations are to make full monthly payments on the first of each month. Payments received after the month in which they are due, will be reported to the credit bureaus accordingly. '' Now if this is the case, why do they have payment options on their website to pay in full, the first and fifteenth of the month, or bi-weekly? 

This has hurt my credit score tremendously!! I have resulted in legal action, which lead me to the CFPB. I have bank statement proof and a screen shot of their payment options listed in the payment section on their website. I need assistance getting a resolution to this matter.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

RECENTLY, I REVIEWED MY CREDIT REPORT AND IDENTIFIED SERVAL INACCURACIES THAT ARE AFFECTING MY ABILITY TO SECURE A MORTGAGE AND OVERALL CREDIT. FROM MY UNDERSTANDING THAT YOU WILL INVESTIGATE THE FOLLOWING ACCOUNT TO ENSURE ITS ACCURACY. HERE IS THE ACCOUNT THAT IAM ASKING YOU TO VERIFY AND VALIDATE. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX and this is not a third party filing this complaint. I have been denied a car loan because of the inaccurate reportings from the credit reporting agencies. I am asking that they provide the proof of their reportings. If they can not prove those inaccurate late payments and accounts they should be removed immediately
Consumer complaint received 2024-06-15
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: Experian Information Solutions Inc. (FL)

I have several problems whit this companys They are reporting late payments on my credit. 

XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX Account number : XXXX No recongnise this inquires XXXXXXXX XXXX XXXXInquiry : XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XX/XX/year> XXXX, Transunion, XXXX Subject : Dispute of Late Payment Report Request for Correction Dear Sir/Madam, I am writing to formally dispute the accuracy of a late payment entry on my credit report. The specific entry in question is under the account [ Account Name # XXXX ], reported by [ XXXX XXXX XXXX. According to my records, the information is incorrect, and I am requesting an immediate correction. 

**Legal Basis for Dispute : ** 1. **15 USC 1681 ( a ) ( 1 ) ** : This section mandates that credit reporting agencies ensure the accuracy and fairness of the information contained in consumer reports. The erroneous late payment entry on my report is neither accurate nor fair. 

2. **15 USC 1681 ( a ) ( 2 ) ** : This section emphasizes the need for the reporting system to be fair and equitable XXXX Reporting an incorrect late payment undermines the fairness and equity intended by this law. 

3. **15 USC 1681 ( a ) ( 3 ) ** : It is required that consumer credit reports are to be used in a manner that is appropriate and just. An incorrect late payment mark is an inappropriate and unjust use of my credit information. 

4. **15 USC 1681 ( a ) ( 4 ) ** : The section outlines the importance of maintaining the confidentiality, accuracy, relevancy, and proper utilization of credit information. The current late payment entry fails to meet these standards, particularly in terms of accuracy and relevancy. 

5. **15 USC 1681 a ( d ) ( 2 ) ( A ) ** : This provision excludes certain types of consumer information from being reported if they do not meet the criteria for accuracy and completeness. Given that the reported late payment is inaccurate, it should be excluded from my report. 

6. **15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) ** : The code specifies that information must be reported with maximum possible accuracy. As this late payment entry is erroneous, it fails to meet this criterion and must be corrected. 

**Requested Action : ** In light of these regulations, I request that [ XXXX, Transunion XXXX XXXX ] investigate and correct this error promptly. I have attached relevant documentation ( e.g., payment receipts, correspondence with the creditor ) to support my claim. 

Please provide written confirmation of your receipt of this letter and an update on the status of my dispute within the time frame mandated by the Fair Credit Reporting Act. 

Thank you for your immediate attention to this matter. Should you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Consumer complaint received 2024-07-09
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. (WI)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. s not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2024-07-09
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)

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-07-09
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
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. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>