davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (VA)

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as XXXX XXXX XXXX' or " XXXX XXXX This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX continues to ignore my dispute and failes to list or report that my acount was included in Bankruptyon my credit report and refuses to update my credit report as being " Paid In Full '' and refuses to remove the status remarks as late 120 / 150 Days Late!!! 

I've esculated my complaint to senior management for XXXX and Employee - XXXX XXXX ignores my calls, left voice messages, and fails to address my request! I have notified XXXX for more than three years and no changes have been made to address my complaints! 

I have esculated my complaint to the XXXX XXXX XXXX for the way my complaint has been handled!
Consumer complaint received 2023-06-22
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. (NJ)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

experian and XXXX both are falsely reporting a XXXX XXXX XXXX XXXX account, account number is XXXX and they are showing XXXX payments past due on the account. the account information should show balance as current with XXXX lates. i reached out to XXXX XXXX XXXX XXXX about this account and it should be updated to reflect XXXX late payments. the balance is XXXX
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
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. (MD)

I am writing to delete the following information form my file. The Items I deleted are listed in the report I am a victim of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.
Consumer complaint received 2024-05-15
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. (AL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (IL)

I saw an inaccurate item on my Credit report through XXXX XXXX a few years ago and immediately disputed it. It was from Credence. Stating I owed XXXX XXXX XXXX XXXX I called the company and requested on several occasions the original contract proving this account and I also requested a FULL ITEMIZED COMPLETE Charges, Billing & Payment history. I even spoke with someone on the phone regarding this request. I have submitted disputes on several occasions regarding this debt, and they still have yet to PROVE their claim this is mine, They just sent me a paper saying an amount, no contract, no agreement, no itemized billing of charges or payments. I also mentioned to them, I have another letter from Credence claiming I owe the same company {$340.00}. They have not provided any information. It has been over a year of going back and forth with Credence and they still have failed to provide me what I requested to prove this debt or the amount is even correct, and the credit companies have failed to remove this inaccurate information from my report.
Consumer complaint received 2024-05-15
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 XXXX 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

ACCORDANCE WITH 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THIS FRAUDULENT ACCOUNT XXXX XXXX XXXX  TO BE FURNISHED ON MY XXXX XXXX EQUIFAX I HAVE KNOW KNOWLEDGE OF THIS ACCOUNT I HAVE FILED A POLICE REPORT OF FRAUD. PLEASE DELETE PROMPTLY THANK YOU SIRS/MAAM ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE FRAUDLENT ADDRESSES NAMES ACCOUNTS TO BE FURNISHED ON MY XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, TELEPHONE # XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL , XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX, FL XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX PLEASE DELLETE THESE IMMEDIATELY I HAVE KNOW KNOWLEDGE OF THIS FRAUD!

I am willing to prosecute.
Consumer complaint received 2024-05-15
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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 : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Account : XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Affirm- XXXX XXXX XXXX XXXX  reporting to XXXX I have disputed these accounts with each creditor. All accounts are stating paid as agreed but showing closed and negatively affecting my credit report showing inaccuracy. I have also asked them to remove all these accounts immediately from my credit report.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

My credit card was stolen. There were 35 unauthorized fraudulent transactions on my credit card. They are all listed Below : XX/XX/2023 : {$43.00} from XXXX XXXX XXXX {$12.00} from XXXX XX/XX/2023 : {$42.00} from XXXX XXXX XXXX {$8.00} from XXXX XXXX XX/XX/2023 : {$6.00} from XXXX XXXX XX/XX/2023 : {$18.00} from XXXX XXXX XX/XX/2023 : {$12.00} from XXXX XXXX XX/XX/2023 : {$31.00} from XXXX XXXX {$10.00} from XXXX XXXX {$7.00} from XXXX XX/XX/2023 : {$32.00} from XXXX XXXX XXXX XX/XX/2023 : {$33.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$9.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$6.00} from XXXX XXXX {$32.00} from XXXX XX/XX/2023 : {$9.00} from XXXX XXXX {$34.00} from XXXX XXXX XX/XX/2023 : {$10.00} from XXXX XXXX XXXX {$3.00} from XXXX XXXXXXXX XXXX XX/XX/2023 : {$9.00} from XXXX XXXX {$23.00} from XXXX XX/XX/2023 : {$6.00} from XXXX XXXX {$34.00} from XXXX XXXX XXXXXX/XX/2023 : {$36.00} from XXXX XXXX XXXX XX/XX/2023 : {$36.00} from XXXX XXXX  {$9.00} from XXXX XXXX {$34.00} from XXXX XXXX XX/XX/2023 : {$30.00} from XXXX XXXX XX/XX/2023 : {$8.00} from XXXX XX/XX/2023 : {$34.00} from XXXX XXXX {$10.00} from XXXX XXXX XX/XX/2023 : {$26.00} from XXXXXXXX XXXX XXXX XXXXXXXX {$37.00} from XXXX XX/XX/2023 : {$37.00} from XXXX XX/XX/2023 : {$90.00} from XXXX XXXX I promptly reported the stolen credit card and unauthorized fraudulent transactions to the fraud department at Citizens bank. The lady on the phone processed my claim and gave me a claim number XXXX. The total amount of unauthorized fraudulent transactions is {$830.00}. The lady on the phone incorrectly reported {$800.00}. 

I received a letter in the mail 7 days later from Citizens Bank that my fraud claim was denied. No reason at all was given to me as to why it was denied. Since I received this letter, I have repeatedly called the company, but was placed on hold for hours upon hours and hours, and hung up on. I have called the company at least 12 times since XX/XX/XXXX to resolve these fraudulent transactions on my account, to no avail. 

Citizems Bank is not only refusing to remove these fraudulent transactions, but they are charging my credit card interest on top of them. Two incorrect interest charges of {$57.00} on XX/XX/XXXX and {$65.00} on XX/XX/XXXX were placed on my credit card account. 

I respectfully ask that Citizens Bank remove these unauthorized fraudulent charges from my credit card immediately. I also respectfully ask that Citizens Bank remove the erroneous interest charges that accrued as a result of these fraudulent transactions immediately.
Consumer complaint received 2024-10-19
Product: Credit card — General-purpose credit card or charge 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. (OK)

this is a follow up to previous complaint i raised ( XXXX ) back in XX/XX/2024. Back in XX/XX/2024, i used my citi custom cash card that i used to purchase skin care items from XXXX, but until today XX/XX/2024, not only i still have not received the items from the merchants, but my citi dispute still says " We're Making Progress on Your Case. '' Be real, what progress have you made after 9 months? Its been 6 months after the dispute reopened which was on XX/XX/2024, what progress have you made? what " investigation '' have been done? Your own policy in the website says it will be resolved within 90 days, if the merchant doesnt response, then you will close the dispute, yet the dispute is still " in progress. '' Clean proof of a company that doesnt follow their own policy, CFPB has a clear ground to levy a fine to Citi , it should teach company to follow their own policy and not rewards merchants that doesnt give the items after payment!
Consumer complaint received 2024-10-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (IN)

I have tried to figure out why I couldnt touch my money since before XXXX of 2024 and they told me I had to wait 180 days which wouldve been XX/XX/2024 and I was emailed and I have proof of that and then needed to prove my drivers license and banking info then now theyre saying I have to wait again and I was like no I already did that and showed this guys emails and hes like oh well its this reason same stuff they said the beginning of the year. Ive done nothing wrong and was told I would be able to pull my money out and was even sent emails my money was ready to pull out and they have not let me still. Its been weeks emailing and calling them etc and nothing has been done to get my {$120.00} bucks that is my money out.
Consumer complaint received 2019-09-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc. (MI)

On XX/XX/19. {$140.00} was taken from my account. When I contacted CashApp I was given a list of things to do, I complied. No one contacted me since and my $ has not been refunded. I believe CashApp screwed up. That transaction was simultaneous with CashApp refunding me for atm fees.
Consumer complaint received 2024-05-29
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. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Best Service Co.,Inc (FL)

I contacted XXXX XXXX XXXX about a closed account. Requesting to apply XXXX to the account. I was informed they didn't have the account anymore and there wasn't anything they could do. They referred me to the Best Service Company who they said had the debt. 

XXXX XXXX XXXX ( XXXX XXXX ) offered a settlement to pay off a collection during tax season roughly around $ XXXX. I declined offer. I then called company back requesting to apply XXXX to the accoun on XX/XX/XXXX, XXXX. They replied they didn't know what it was but I could send necessary documents and to follow up at a later date.I emailed necessary documents on XX/XX/year>. I followed up in XXXX and was told the account was on hold and to check back again.I called XX/XX/XXXX, no answer and I called today XX/XX/XXXX and was told the account will remain on hold until I get out of the military. I asked why and the representative said that he didn't know any more information. I asked for a debt validation letter and he said they didn't have one because the debt is with the original company XXXX XXXX XXXX XXXX XXXX ). Which it is not.I asked if I'm in the military for the next 6-7 years what would happen with the account? His response was that it will just remain on hold until then. I asked to speak with his supervisor and was told there was no one else I could speak with.
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX closed now but not mine XXXX XXXX close but not mine XXXX XXXX not mine XXXX not mine XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none of these are mine and i want them off my credit report.
Consumer complaint received 2023-06-01
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. (TX)

There is an inaccurate account that is reporting erroneously in my file. It is not authorized to fail to validate the reporting account as inaccurate information without providing any proof. The listed account needs to be corrected for erroneous reporting in my file is listed on my credit report. 

Please fix this erroneous account : XXXX XXXX XXXX : {$830.00}
Consumer complaint received 2024-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from the alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
Please delete these items listed below IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These identified accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under 15 U.S Code 1681b - Permissible purpose 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my behalf or consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. You are required to do what l am asking of you and delete these accounts listed above. I look forward to your response. Thank you, XXXX : XXXX XXXX XXXX XXXX XXXX