davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-21
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. (CT)

I am writing to address an on-going issue of identity theft that continues to cause me frustration and disappointment in my interactions with your credit bureau XXXX In XX/XX/2022, I initially contacted your bureau to report a severe case of identity theft, which has significantly impacted my life, causing distress and hardship. Despite furnishing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in the resolution process. It is essential to reiterate that the burden of proof does not rest with me but with your bureau. Your responsibility is to conduct a thorough investigation into these matters and rectify the discrepancies that have caused me significant trouble. I use the term " nuisance '' to characterize your bureau 's response because, despite numerous attempts to engage with your organization, I have not witnessed the progress or resolution commensurate with the gravity of this situation. Now, I'd like this account DELETED from my report : XXXX XXXX
Consumer complaint received 2019-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank continues to charge interest to a furniture purchase I made at Ashley Furniture store in XXXX. The have engaged in deceptive business practices and a series of omissions and misrepresentations including : 1. I did not receive written monthly statements 2. I was not contacted in any manner with notification that a promotional rate was expiring 3. The automatic monthly payment schedule was set up incorrectly 4. Synchrony has been unable to provide the actual invoice and rate/terms. In a letter dated XX/XX/XXXX, they state that they " have been unable to locate the specific sales receipt for the date and amount specified. '' 5. Since the discovery of the error, Synchrony has been unable and willing to resolve the error regarding the remaining interest on the account ( {$2800.00} )
Consumer complaint received 2023-04-25
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 — Investigation took more than 30 days
Company: EQUIFAX, 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.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-12
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 checked my report and the following is violating my rights Under 15.U.S. Code 1681b- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Inever gave transunion any written consent to report the accounts below. No consent is Identity Theft. As a consumer I am demanding deletion of these inquiries and account from my file -account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
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)

The items listed below are reported on my credit file and were found in my reports with 3 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-12
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. (KY)

I got a notice about an inquiry that was made on my TransUnion account that I did not authorize. I would like it removed There was a hard inquiry done for XXXX on XX/XX/year> that was not done by me.
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (WA)

Date : XX/XX/2023 Initial Issue : On XX/XX/2023 I got notification that I am not able to login to my account via mobile or using browser. It was giving me generic error. 

Background : On XX/XX/2023 after creating account I transferred {$3500.00} total from my XXXX XXXX XXXX XXXX account. 
On XX/XX/2023 I deposited XXXX checks in my saving account from my new tenants as a part of my rental income. 

Conversation with CITI Bank support center : I checked with CITI bank support center regarding why I am not able to access my account. They first denied to give any information about the blocked account and told me to dial another number. XXXX. 

After talking to the associative they told me that there is issue with the check and thus they have blocked my account. " The checks were totally valid ''. 

I asked them to unblock my account as I can't access it anymore and need that money as it's my hard earned salary. They told me that the only way would be either to go to nearby branch or wait for 60 days to get my money through mail. There was no resolution of falsely blocking and closing my bank account with my funds stuck is a unknown state. 

" There has been no official communication or notification with details regarding why account was closed or next steps. They didn't communicate anything ''. 

Current Situation : There has been no communication and help from CITI bank. My money which is {$3500.00} is locked in their account and they take no responsibility of helping me get my funds. They told me to visit nearby CITI office but there is none in XXXX miles near where I live. 

Regarding Check : I later deposited the same Check with XXXX  XXXX XXXX and it was cleared with no issues.
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-12
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. (CT)

Dear Sir/Ma'am, This letter is in response to your recent claim that the following information reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2024-06-12
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)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 information is inaccurate.
Consumer complaint received 2024-06-12
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. (SC)

MY PERSONAL INFORMATION WAS XXXX 2020 AND REPORTED TO LAW ENFORCEMENT. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF XXXX XXXX IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-12-21
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (SC)

I made an international payment in the amount of USD XXXX ( R {$90000.00} ) on XX/XX/, but we discovered that the supplier 's official email was intercepted by a criminal who changed the bank, address and account number in the invoice. But he/she kept the supplier 's real name, and sending me this fake invoice that was used to make the transfer. 
And because there was such a serious discrepancy between the name of the beneficiary used in the transfer and the real name of the account holder, the receiving bank could not have released the money to this fake customer. 
We requested the refund via XXXX XXXX XXXX as per the attached history, but CHASE BANK insists on awaiting authorization from the fraudulent beneficiary to proceed with the refund. And we know that won't happen. Therefore, we requested support from the Consumer Financial Protection Bureau ( CFPB ) to recover the amount of USD XXXX. 
Note : XXXX XXXX XXXX contains two communications from XXXX XXXX XXXX to CHASE BANK requesting the refund. 
Note2 : some attached documents may need support from a translator XXXX/english.
Consumer complaint received 2024-06-12
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. (TX)

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 information is inaccurate.
Consumer complaint received 2024-06-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Onity Group Inc. (NY)

I am currently in a XXXX  XXXX bankruptcy proceeding. I am making payments on the mortgage through the trustee. The mortgage is outrageous right now. I am a senior citizen, almost XXXX XXXX XXXX, am XXXX and am going through severe hardship. I do not want to lose my home and I've never missed a mortgage payment. PHH is the lender. 

I asked for a loan modification and they sent me paperwork. I sent in all of the paperwork twice and called in many times. They claim they haven't received it because of " underwriting errors '' or because the files might be too large. They then request new information each time, which is very hard for me to put together because I am XXXX. I have proof that I have emailed all the information in and their calls are recorded so they have me on a recorded line asking what else is missing. They keep just giving me the run-around and they have just increased my mortgage payment again, because it is variable interest. 

I am begging the CFPB to help me. I do not want to be bounced around anymore. I provided bank statements from myself and my wife, all the evidence they've asked for, the application and more. I just need a breather as a XXXX senior, I do not need to be bounced from agent to agent each time I call PHH.
Consumer complaint received 2024-06-11
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. (VA)

Transunion refuses to provide a close date for the following accounts : XXXX XXXX XXXX XXXX XXXX They refuse to provide a close date but report a charge off every month so it looks like the account was charge off that current month. This is very dirty tactics. I've disputed more than once about the date and they refuse to provide a date.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX and TransUnion are both reporting erroneous information regarding my mortgage loan with XXXX. XXXX and TransUnion FAILED to report the correct balance and its status, stating that the balance has increased ; when in fact, the balance has done the opposite. The balance has actually decreased. This moronic reporting has resulted in a XXXX point decrease of my credit score. I want this smartly corrected.
Consumer complaint received 2023-09-21
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. (GA)

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 XXXX Balance : {$31000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-10
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: Early Warning Services, LLC (CA)

Dear Sir, This investigation resolved some of my issues. Early warning did delete some of the derogatory items on my previous consumer reported as per their previous attached letter. The pending Items with XXXX are not resolved. They deleted two of the the four erroneous accounts ending in accounts # XXXX and # XXXX of XXXX. They didn't delete the other two accounts with XXXX are duplicates. # XXXX and # XXXX. The same information is being reported. They just kept two accounts open with same account numbers with XXXX. These other two derogatory accounts with XXXX that remain have the same last four digits of the account numbers of the two XXXX accounts that were removed. If you look at the last four digits and the account information the accounts is the same. Early Warning never addressed why XXXX XXXX XXXX made an inquiry to my account? They just removed it without addressing which branch authorized the inquiry. Early Warning was trying to tell me it was identity theft. If that was the case there would of been a branch associated with the inquiry along with a routing number and account number. There was none. They just removed the inquiry without a true explanation. I'm not letting this go. Early warning is co-owned by XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX and XXXX. I originally stated that one of these banks above has been trying to black ball me in the banking industry. I will get to the bottom of this. I have been Harmed by Interference with XXXX XXXX for over seven years. I'm not going to rest until I get these last two derogatory items deleted from my Consumer report. I have contacted XXXX and they no longer have record of these accounts in their system. Who did Early Warning contact at XXXX to verify these two accounts? How many years does negative account information remain on your Consumer report by FCRA?
Consumer complaint received 2024-06-12
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. (GA)

15 U.S.C. 1681b of the FCRA explicitly defines permissible purposes for accessing consum XXXX credit reports. These purposes include, but are not limited to, credit transactions, employment background checks, and account review by existing creditors. The organization in question did not have a permissible purpose to make multiple hard inquiries without my consent, as these XXXX XXXX by law. 
If no permissible purpose can be established for one or more of the inquiries, I request that you have these inquiries removed from my credit report.
Consumer complaint received 2024-06-12
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)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>