davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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 (NC)

There has been several hard inquiries being reported on my credit report that I do not recognize nor have authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent a dispute certified letter on XX/XX/23 to TransUnion about the validity of account XXXX  # XXXX which was received on XX/XX/23 @ XXXX ( letter uploaded ). As of XX/XX/23 the report showed it was updated XX/XX/23 well after they received the letter but had yet to note that account was being disputed which is required by law [ XXXX us code XXXX ]. Then on XX/XX/23 the report showed that it was updated on XX/XX/23 and now showed a dispute note which is clearly fraud. They basically tried to back date themselves out of a clear violation. I have update screenshots of all supporting documents.
Consumer complaint received 2024-05-31
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: CITIBANK, N.A. (GA)

1- A representative at XXXX XXXX informed me that I have a gold XXXX XXXX XXXX since XXXX but under a different name and in another state ( i have only ever applied for any/all credit/ debit cards in only one state ( residence ) 2- I received great communication with the fraud department of XXXX XXXX and was informed that i will receive more information via regular mail only. 

3- I have been dealing with several issues with the mail and failed to receive replacement cards for two other banks since XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX 4- I created an account with XXXX and discovered through the website that the XXXX XXXX letter had been sent but my mailbox was completely empty so i filed a claim for the missing piece.

5- There are several inaccuracies regarding both my personal information and credit card history on my credit report and I have spent endless hours trying to have the information corrected only to find the issue growing larger.

6- On my credit report 2 completely separate bank accounts were combined as one. XXXX and XXXX  XXXX ( XXXX XXXX ). I could not make any sense of these XXXX credit cards were opened years apart and XXXX had been closed several years ago. I also couldnt find any statements related to capital XXXX so i called capital XXXX and XXXX and XXXX with no luck.

7- On this day, i found that both XXXX and XXXX XXXX were entirely removed from my credit report as if they never existed. 

8- The initial reason i made all these calls before deciding to report is that i had assumed there to be some form of misunderstandings as both XXXX XXXX and XXXX  XXXX had been closed as a result of my recent divorce. 

9- XXXX  tricked me into believing my account had been closed during a few times i went to shop there without my card but with the provided drivers license and SSN. I was told my account was closed but i knew i had paid it off so I figured it was just their decision as I had similar experience with my Rooms to go account. I later discovered that the macys account had been opened for months with recurring charges and then closed! 

10- I had been instructed that i can freeze my XXXX through a local social security office And i did exactly that and even received a confirmational email of the freeze. This happened on XX/XX/XXXX at XXXX ( I scanned the ticket number XXXX ) however the email associated with this visit was hacked and i no longer have access to it. 

Note : XXXX  XXXX XXXX XXXX  was closed late XXXX or early XXXX no actual information specific to this account shows on my credit report. 

XXXX claim number : XXXX
Consumer complaint received 2024-01-30
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to address fraudulent accounts on my credit report causing significant financial harm. I demand their immediate removal to rectify this injustice. Other bureaus have complied, but I'm puzzled why yours hasn't. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-01-30
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. (OH)

Im 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 FEDERAL TRADE COMMISSION or https : XXXX 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 the blocking of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-01-30
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)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact, a victim of this data breach and Trans Union has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I WAS A Victim of the XXXX data breach. I want these items Deleted from my credit report.
Consumer complaint received 2018-08-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: KEYCORP (IN)

In XXXX, I financed a car purchase through Key Bank, XXXX XXXX XXXX XXXX, XXXX. I paid off the loan completely in XXXX. In XXXX, when I attempted to sell the car, I discovered that the Indiana Bureau of Motor Vehicles continued to show a lien on the vehicle held by Key Bank. Despite my repeated requests, Key Bank will not release the lien.
Consumer complaint received 2024-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (MO)

I only received notice my Credit Karma spend account was frozen and to contact customer service and Credit karma only tells me they escalate the issue to a special team that will reach out through email, and they never have and when I call them they tell me I cant speak with anyone else about the account and they will leave a note.
Consumer complaint received 2024-05-31
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: DISCOVER BANK (LA)

I obtained a copy of my credit reports online in XX/XX/year> from all three credit bureaus. There was a XXXX Bankruptcy court item listed on my credit reports. Per the FCRA XXXX ( a ) ( XXXX ) ; " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. 
With that being said. I filled a dispute to each credit bureau in regards to the bankruptcy public record on my credit reports. Between XX/XX/year> and XX/XX/year> the bankruptcy public record was removed from my XXXX credit report. I am requesting that it also be removed from XXXX and XXXX credit reports as well. 
The Bankruptcy XXXX stated that they do not provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies, and or third party providers who collect information regarding public cases from public records. Public records information is never validated by the XXXX XXXX system due to the Fair Credit Reporting Agency Privacy Law. My inquiry to the XXXX Bankruptcy XXXX XXXX XXXX credit bureau has ever validated or verified the public record entries on my credit report, neither will the ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information. Public records may oftentimes be reported by third party sources unaware to the consumer, and in most cases incorrectly. Considering the information indicating a XXXX XXXX XXXX XXXX violation, I am requesting that all bankruptcy information currently showing under my social security number be permanently deleted from my credit report immediately. 
I am also requesting that XXXX and XXXX provide me with copies of all documentation associated with this public record account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, a all the information listed under " XXXX XXXX '' needs to be immediately deleted from the credit file under my name and social security number.
Consumer complaint received 2024-05-15
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. (WI)

PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-01-30
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)

I sent notarized documentation to XXXX XXXX XXXX XXXX XXXX to include a Notice of Dispute and a copy of my state drivers license as proof of identity. The drivers license has my signature on the front of the identification. I requested certified accounting documentation from XXXX XXXX XXXX XXXX XXXX in response to a recent credit report. XXXX XXXX XXXX XXXX XXXX states the account was allegedly charged off but charged offs are considered general income by Internal Revenue Services, but the information is still being reported which is inaccurate. XXXX, XXXX, and Transunion all state they do not report income. This information is contradictory and inaccurate. XXXX XXXX XXXX XXXX XXXX has failed to investigate my inquiry but somehow the information has come back verified and accurate according to XXXX, XXXX, and Transunion. The letter I received is proof of deceptive practice and failure to investigate a dispute claim by consumer. I have requested to opt out of this account being reported to my Consumer reports until I receive certified documentation that the account has been charged off by IRS standards. 
12 CFR 1016.1 gives me the right to opt-out of the sharing of my nonpublic personal information and I want to exercise my right immediately. Also, 15 U.S. Code 6802 supports my rights to opt out of non-public personal information. 
Accordingly, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and Transunion have failed to adhere to the following federal laws and regulations : 15 United States Code 1681e ( b ) 15 U.S. Code 1681c ( a ) ( 4 ) 15 U.S. Code 1681c ( a ) ( 5 ) 15 United States Code 1681a ( d ) ( 2 ) ( A ) ( i )
Consumer complaint received 2024-05-31
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: CAINE & WEINER COMPANY, INC. (LA)

I obtained a copy of my credit reports online in XX/XX/2024 from all three credit bureaus. There was a XXXX Bankruptcy court item listed on my credit reports. Per the FCRA XXXX ( a ) ( XXXX ) ; " If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. 
With that being said. I filled a dispute to each credit bureau in regards to the bankruptcy public record on my credit reports. Between XX/XX/2024 and XX/XX/2024 the bankruptcy public record was removed from my XXXX credit report. I am requesting that it also be removed from XXXX and XXXX credit reports as well. 
The Bankruptcy XXXX stated that they do not provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies, and or third party providers who collect information regarding public cases from public records. Public records information is never validated by the XXXX XXXX system due to the Fair Credit Reporting Agency Privacy Law. My inquiry to the XXXX XXXX XXXXXXXX XXXX XXXX credit bureau has ever validated or verified the public record entries on my credit report, neither will the ever be by them. They further stated while they are not liable or responsible for any misuse or incorrect public records, nor the distribution of said information. Public records may oftentimes be reported by third party sources unaware to the consumer, and in most cases incorrectly. Considering the information indicating a XXXX XXXX XXXX XXXX violation, I am requesting that all bankruptcy information currently showing under my social security number be permanently deleted from my credit report immediately. 
I am also requesting that XXXX and XXXX provide me with copies of all documentation associated with this public record account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, a all the information listed under " XXXXXXXX XXXX  '' needs to be immediately deleted from the credit file under my name and social security number.
Consumer complaint received 2024-05-26
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. (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 EXPERIAN 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 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (MD)

My ex girlfriend, without permission opened a account with Chase Bank, a credit card that she maxed out to over {$18000.00}. Chase notified me of the amount and the card being maxed out and also that the address and personal information once transferred from my personal information to my ex girlfriends information. Even with all this evidence that my ex girlfriend was making payments from her accounts to the credit card and that her personal home address, phone number and email address was attached to the account, Chase Bank made me responsible for it, and to add salt to the wound, they made me pay at a XXXX APR for this card, that I have never used in any way shape or form. From the beginning I tried working with the fraud division and other sections of Chase to reflect that I did not open this credit card of my own desire, I was tricked to sign the paperwork for it. And again they made me aware that my ex girlfriend personal information was attached to The billing information of this card.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC (MD)

On multiple occasions, I have sent written requests to both Glasser and Glasser P.L.C. and XXXX XXXX XXXX representing XXXX XXXX  regarding the validation and verification of the debt they claim I owe. Specifically, my requests included : Validation of Debt : I requested that Glasser and Glasser P.L.C. and XXXX XXXX XXXX provide the original signed agreement or contract that validates the debt they claim I owe. 

Itemized Statement : I requested an itemized statement showing how the amount they are claiming was calculated, including any fees and interest charges.

Original Credit Application : I requested a copy of the original credit application that I allegedly signed when opening the credit card account with XXXX XXXX. 

Terms of the Account : I requested the terms and conditions of the credit card account at the time it was opened, including interest rates, fees, and payment terms. 

Despite sending these requests via certified mail, which were confirmed to be received by Glasser and Glasser P.L.C. and XXXX XXXX XXXX, I have not received the requested information. This lack of response is not only unprofessional but also a violation of both federal and Maryland state laws. 

Violations : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, debt collectors are required to provide verification of the debt upon request. Glasser and Glasser P.L.C. 's and XXXX XXXX XXXX ' failure to provide this information is a direct violation of the FDCPA. 

Maryland Credit Act : The Maryland Credit Act requires creditors and debt collectors to provide clear and accurate information regarding the debt when requested by the consumer. Glasser and Glasser P.L.C. 's and XXXX XXXX XXXX ' failure to comply with this requirement is a violation of Maryland state law. 

Professional Courtesy and Ethical Standards : The lack of response from Glasser and Glasser P.L.C. and XXXX XXXX XXXX demonstrates a disregard for professional courtesy and ethical standards expected in the legal and debt collection industries.
Consumer complaint received 2024-01-30
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I never gave consent for its creation. I've attached the required documentation to validate my stance. I'd appreciate your swift action to address and correct this issue by ensuring the removal of the accounts from my credit report. see attached