davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-19
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. (AZ)

I am writing to express my deep frustration and disappointment with the repeated failures to remove fraudulent items from my account. Despite numerous attempts and assurances from your team, these fraudulent items persist, causing significant distress and financial harm. 

I provided detailed information and documentation to support my claim, including evidence of the fraudulent nature of these items. Despite my efforts, the fraudulent items were not removed from my account. 

Subsequently, I made several additional attempts to have these fraudulent items removed from my account, filing subsequent complaints and providing additional evidence to support my case. However, each attempt has been met with delays and unsuccessful outcomes. 

The continued presence of these fraudulent items on my account is not only damaging to my financial reputation but also causing me significant distress and hardship. I have made every effort to cooperate with your team and provide the necessary information to rectify this issue, yet it persists. 

I urgently request that you take immediate and decisive action to investigate and remove these fraudulent items from my account. I expect a swift resolution to this matter, including the complete removal of all unauthorized charges within [ Revised Timeframe ]. Furthermore, I insist on receiving regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to explore further avenues of resolution, including reporting this matter to relevant regulatory authorities and seeking legal remedies to protect my rights as a consumer. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

Someone is using my name and information and has opened a credit line with JPMCB OF XXXX XXXX 
I contacted the bank " Chase '' by phone and in person who states they see a profile created but no card was dispensed. 
My credit report says otherwise. 
a opened date as of XXXX credit limit of XXXX. 
To resolve this issue the account needs to be closed and removed from my credit report
Consumer complaint received 2023-08-28
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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-06-07
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)

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 XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DP OF EDUC XXXX DP OF EDUC XXXX DP OF EDUC XXXX
Consumer complaint received 2024-03-19
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. (AZ)

I am writing to express my frustration and disappointment with the repeated failures to correct the late opening of my account. Despite multiple attempts to rectify this issue, it remains unresolved, causing significant inconvenience and frustration. 

After completing all necessary documentation and fulfilling all requirements as instructed by your team, I expected my account to be opened within a reasonable timeframe. 

However, despite assurances from your representatives, my account was not opened within the agreed-upon timeframe. This delay caused me considerable inconvenience and disruption to my financial affairs. 

Despite my initial complaint, I received no satisfactory resolution. Subsequent attempts to correct the issue were met with further delays and excuses. 

I made several follow-up inquiries to your customer service department, seeking information about the status of my account opening. Unfortunately, these inquiries yielded no concrete results. 

In light of the lack of progress, I filed a second complaint on [ Second Complaint Date ], reiterating the urgency of the matter and the need for immediate action. 

Despite my repeated attempts to resolve the issue, my account remains unopened, and I have not received any updates or communication regarding the status of my application. 

I urge you to take immediate and decisive action to rectify this situation. I expect a swift resolution, including the immediate opening of my account and access to all associated services within [ Revised Timeframe ]. Additionally, I request regular updates on the progress of this matter to ensure transparency and accountability. 

Failure to address this issue promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal remedies to protect my rights as a customer. I trust that such actions can be avoided, and I hope for a prompt and amicable resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXXXXXX XXXX XXXX Balance Owed : {$490.00}.
Consumer complaint received 2024-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-03-19
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. (NC)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

I have an account with Best Buy. XXXX XXXX, I made multiple purchases using my Best Buy credit card. One of the purchases was a cell phone. Best Buy advertised a rebate of {$25.00} in exchange for my phone. I gave the receptionist my phone. She charged my card {$25.00} for a rebate that she should have applied a refund to my account. Both of the store managers were exceptionally rude and refused to address and or resolve the matter. Since that time, Best Buy has 1. Changed their promotional offers and sent me a bill this month that included a fee of over {$120.00}. THey escalated the terms of payment. 2. They have yet to provide me with an explanation and or correction of the {$25.00} charge. 3.Instead of sending me a plain print out of charges, they sent the amount and not the item purchased. It is difficult to verify charges. The charges/fees that they charged this month ( are over {$120.00} ). That fee is retaliation for my expressing concerns to them about the transactions and the managers and about their practices. 4.During the course of all of this, I made a discovery of Best Buy surveillancing my devices..I pay them for XXXX and a membership. When apps are not functioning and I saw a device that was used to remotely manipulate my devices, I am now facing a situation where the trust factor has been lost. XXXX. I have issue with the fees and interest that they suddenly applied although I have been making more than the minimum payment for months. I request a full investigation into every charge and transaction. 6.They suddenly changed the terms of the agreement of my membership and this month arbitrarily began charging me for a home visit by the XXXX XXXX XXXX after their on line staff was unable to remotely connect a brand new printer that I had just bought from Best Buy to my devices. I returned the printer and they refused to credit my account. They forced an instore credit to be issued.
Consumer complaint received 2024-06-17
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. (MI)

Hi i checked my credit report On XX/XX/XXXX. I noticed some unauthorized inquiries on my credit report. 
I currently received my credit reported and located the following seriousproblems of inaccurate reporting. I have sent letters to disputing my creidtreport because I have just accepted that i had bad credit and became a victim ofit. I dont know what went on in my name because soneone hacked my computer. I was not aware that my information had been compromised. 

I dont know what these collection, account are for inaccurate and late charges. I have contacted these collection agencies ( XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) to validate these debts, so therefore I am disputing the validity of these debts. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX XXXXI Account Number : XXXX Please remove it from my credit report. 

XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-05-31
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. (PA)

I pulled a copy of my credit report and noticed fraudulent accounts and erroneous personal information that needs immediate DELETION/UPDATING. 
I DID NOT authorize nor originate these accounts so they must be immediately DELETED within XXXX business days upon receipt of this letter on clear grounds of IDENTITY THEFT, pursuant to 15 U.S. code 1681c-2- Block of Information. Also, pursuant to 15 U.S. code 1681s-2 and 15 U.S. code 168e ( b ), please update my personal information immediately. DELETE ADDITIONAL INQUIRIES : XXXX XXXX  ( XXXX  ), XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX PLEASE ADD CURRENT EMPLOYER : XXXX XXXX XXXX XXXX. 

Please see additional Information on attached Identity Theft Report.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I only have one address and almost 20 appear on my consumer report, resulting in denial of residency and tenant applications. Ive tried getting this info deleted several times but it never goes away and is drastically putting me and my family in tragic conditions now even facing homelessness since that many addresses looks unstable for one person, when theres no way i can currently live at all these places
Consumer complaint received 2024-03-20
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 XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$8700.00} XXXX XXXX XXXX Balance {$850.00} I am a federally protected consumer who is guaranteed rights and protections pursuant to the FCRA and FDCPA. I provided adequate notice to the Consumer Reporting Agencies ( XXXX, XXXX and Transunion ) that information in my consumer file that I the consumer has identified as information that resulted from an alleged identity theft pursuant to 15 U.S.C. 1681c-2 and provided all appropriate documents as requested. All furnishers of the identified information that resulted from alleged identity theft was on my credit report also received appropriate notice. The FCRA has Prohibition on Sale or Transfer of Debt Caused by Identity Theft pursuant to 15 U.S.C. 1681m ( f ) and 15 U.S.C. 1681s-2 ( a ) ( 6 ). The company has placed a account on my consumer report that was reported as a resulted of alleged identity theft evidence by an FTC identity theft report and a police report this incorporate as apart of this complaint. The Consumer reporting Agency also has a duty to notify me the consumer in written of the reinsertion of any previously deleted information from my consumer file no more than 5 business days after the reinsertion. I HAVE NOT BEEN NOTIFIED. There actions has result in me the consumer suffering embarrassment and emotional harm when i was denied an extension of credit due to your accounts been apart of my credit file.
Consumer complaint received 2024-06-17
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. (IL)

I would like to dispute the following inquiries i never authorized.

XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Past
Consumer complaint received 2024-03-20
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. (MD)

Back on XX/XX/year> I look at my report and noticed somethings are incomplete or inaccurate and according to the credit reporting act when ever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates to this account of XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX credit union all three are not complete is not complete or accurate
Consumer complaint received 2024-03-19
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. (IN)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (SC)

Someone is using my social security number, name, date of birth to open an account. I'm a victim of identity fraud also recorded on FTC. They are also calling betraying to me the account holder to all of my creditors and closing my accounts.
Consumer complaint received 2023-10-26
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)

I am writing to request your assistance in resolving a distressing issue related to erroneous collections accounts that are inaccurately reporting on my credit report. I am a victim of identity theft, and these accounts do not belong to me. The two accounts in question are as follows : 1. Account with XXXX XXXX XXXX for {$210.00} 2. Account with XXXX XXXX for {$90.00} I have diligently checked my credit report and can confirm that these accounts have been inaccurately reported and are negatively impacting my credit rating. These erroneous accounts have the potential to cause long-lasting harm to my financial standing, which is of great concern to me. 

As a victim of identity theft, I have taken all necessary steps to report and address this issue, including filing a police report and working with the credit reporting agencies to dispute these inaccuracies. However, despite my efforts, these collections accounts remain on my credit report. 

I kindly request the Consumer Financial Protection Bureau 's intervention to facilitate the closing and resolution of these unknown collections accounts. A fair and just resolution would be the immediate removal of these erroneous accounts from my credit report. Removing these inaccuracies is essential to restore the integrity of my credit history and ensure that my financial future is not negatively affected by circumstances beyond my control. 

I understand the importance of maintaining the accuracy of credit reports and the potential impact on one 's financial well-being. I trust that the Consumer Financial Protection Bureau will work towards ensuring the removal of these erroneous accounts, as this is crucial to my ability to access credit and financial opportunities. 

I request your prompt attention to this matter and your assistance in resolving this issue. Your support in helping me achieve a fair resolution by removing these inaccurate collections accounts from my credit report is greatly appreciated. 

Thank you for your time and consideration.
Consumer complaint received 2024-03-19
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 think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

Under 15 US Code 1681i ( 7 ) Method of verification, this account is in violation it was reported without valid evidence. I have provided proof that the Bankruptcy courts do not report information to the credit reporting agencies. The bankruptcy court is listed as a furnisher on my credit report without valid evidence that it should be there, this is a violation. I demand that the accounts be removed from my credit report permanently. Can you provide evidence that supports your claim that the accounts are accurate? Did you use certified documents during the investigation, and if so, what were they? Please provide any information that was passed on to the original creditor during the investigation. I also need to know the cost of the documents used, the name of the person you spoke to at the original creditor 's office, as well as when and for how long the conversation took place. I would appreciate if you could provide the name of the person from your company who spoke with the original creditor during the verification process.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. Experian is 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  Balance : {$0.00}