davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-18
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. (CA)

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (PA)

Hi, I have XXXX personal accounts with Chase bank. Some fraudster opened XXXX business accounts under my name in Chase Branches ( XXXX accounts in XXXX and XXXX In XXXX without my consent and knowledge using fake identification. None of my government issued ids have been stolen, which includes SSN, Driver license and Passport. The fraudster linked business accounts with my personal accounts in XXXX Branch and they can view my personal account activities every day. However, I can't view fraudster 's business accounts, so I have no knowledge even those business accounts exist under my name. On XXXX. XXXX2024 the fraudster made XXXX unauthorized wire transfer from my chase account to an cryptocurrency company ( XXXX XXXX XXXX aka XXXX XXXX  via XXXX XXXX  XXXX which I had no personal or business relationship with. XXXX is in the amount of XXXX and another XXXX  is in the amount of XXXX. There is another {$100.00} ACH Credit Card Payment to a Bank which I have no relationship with, Chase was able to reversed that payment instantly. I called the Chase bank many times, Chase kept denying the wire transfer fraud until a XXXX consumer report interviewed us and escalated the case the executive branch. Chase recognized that those are unauthorized wire transfer and just say they are working on it. Chase won't reveal any information how the fraudster is able to open XXXX business accounts under my name using fake id. I am absolutely horrified. This would happen to everyone banking with Chase.This kind of practice is in totally violation of Dodd-Frank Wall Street Reform and Consumer Protection Act. My Personal Chase account number is XXXX. Please feel free to contact me for further information.
Consumer complaint received 2023-12-18
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-12-18
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)

XXXX XXXX showed me a letter stating that I have no more obligation to them. I paid them through XXXX XXXX. Their information is an accurate on my credit report. Account ending in XXXX and XXXX. XXXX XXXX XXXX XXXX accounts, stating that I have no further obligation to them legally unlawfully I have no further obligation to them at all
Consumer complaint received 2023-12-03
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OR)

I had tried multiple times to set up autopay through my Discover account yet was never notified it didn't go through despite a window popping up thanking me for setting up autopay 3 separate times. I was charged late fees each if these times. When I contacted their customer service about it I paid my balance of {$440.00} and told them to close my account when the payment went through. That was beginning of XXXX. I received multiple confirmations of my payment and never once was contacted about the payment not going through. I was locked out of the app as the associate then closed my account. Today I go back onto the app just to verify the account was officially closed and now I am now seeing that I owe {$480.00}, the account was never closed and now I am being charged fees?
Consumer complaint received 2023-12-03
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank Of American  account ending in XXXX reference id : XXXX request IRP # : XXXX XXXX On XX/XX/2023, I received a {$70.00} compensation cheque because I could not access the cash that I should have, causing financial loss. They refuse to provide me with the additional pay I have sought. There might be something they're concealing, I think more research should be done. 

my contact number is XXXX
Consumer complaint received 2023-12-18
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX 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 2023-12-18
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - UNAUTHORIZED INQUIRY has violated my rights . Or 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 2024-08-03
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)

I made a dispute with TransUnion about a XXXX collection on XX/XX/XXXX. I attached how evidence that I have been with XXXX XXXX XXXX XXXXXXXX. I also showed receipts of where I paid XXXX off. Somehow TransUnion claims to have completed a thorough investigation in 4 days, claiming it went to collections in XX/XX/XXXX. There is no way they have evidence that I had a XXXX account that I signed up for in XXXX. I have not been shown any evidence at all.
Consumer complaint received 2023-12-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

Dynamic Recovery Solutions sent me a text without the required collection notice information. It simply stated that I owe money, doesn't say who they think I am, and propose a payment plan with a link to pay. This is not a proper collection notice. And it seems like they are trying to trick strangers to pay their collections accounts owed by somebody else. I am attaching a copy of the text msg.
Consumer complaint received 2024-05-08
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: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXXDate of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of Inquiry XXXX, XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XXXXXX/XX/XXXX
Consumer complaint received 2024-05-07
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. (OH)

XX/XX/XXXX I filed disputes on all my credit reports, for transition, XXXX, and XXXX For a charge off that should have been removed because XX/XX/XXXX makes 7 years since the XXXX delinquent payment. They are not removing the item they just keep saying they updated info. I have XXXX more items suppose to fall off in XXXX and XXXX this year. Hopefully I don't have to complain again about this. The account was for XXXX.
Consumer complaint received 2023-12-18
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. (GA)

I appreciate your efforts to address some of the fraudulent items in my file resulting from alleged identity theft. However, there are still items that need to be removed. This marks my third complaint as a victim of identity theft, and I am submitting a dispute for the remaining fraudulent items in my file. The items I am disputing have no connection to any transactions involving the possession of goods, services, or money that I have made or authorized. Please remove the reporting of these items in my credit file, as they are unknown to me. Additionally, the information provided on these items has been deleted from other bureaus, casting doubts on their accuracy and reported payment history in my file. I have attached my FTC Report # XXXX for your reference. Here are the remaining items that need to be removed from each bureau : -- -- -- -- -- -XXXX XXXX -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/2020 XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} -- -- -- -- -- -XXXX -- -- -- -- XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2000.00} -- -- -- -- -- -TRANSUNION -- -- -- -- -- - XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-08
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-08
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. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, has violated my rights. 

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 an 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 2024-02-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: KLS Financial Services, Inc (TX)

On XX/XX/2017 XXXX XXXX XXXX sued me in the amount of XXXXThey sent the paperwork to a home in Indiana and I never received noticed found out through my credit report that they sold the debt to KLS Financial and they are reporting {$28000.00} on my report but the original balance is {$21000.00} and the balance goes up every month. On the law suit paperwork original balance is XXXX XXXXXXXX.I 've never signed any paperwork giving KLS Financial any permission to place anything on my credit nor have I ever shared any personal information to this company. Ive reached out to the KLS debt collector requesting information regarding the account and matter and they never sent over anything. I reached out to XXXX XXXX and they were extremely rude and wouldnt tell me anything. This has affected me and my family from purchasing a home and it has really taken a toll on me trying to get credit due to this.
Consumer complaint received 2023-12-22
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association (TX)

In summary : The company sent an amount of approximately XXXX to collections which is now {$2500.00}. 

Background : I signed a joint lease with my XXXX  from XX/XX/XXXX, XXXX XXXX, XXXX, for a rental at XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX We lived apart for many years and had this cohabitation arrangement for the duration of the lease. I notified the leasing office in XXXX and XXXX that I was no longer at the property, and I was moving out and left my keys. 

Although I had been living elsewhere before XX/XX/XXXX, I kept my obligation to pay the lease out and removed the remainder of my belongings at the end of XXXX, moving those items into storage located in another city. The remaining items on the property belonged to my ex. Im now trying to buy a home, and this has popped up on my credit, unbeknown to me. 

I am surprised since I provided my XXXX  with enough financial resources through the divorce to cover more than what she would owe in rent, plus she moved another adult into the property after I left. The office agreed to allow her to stay. She later was notified that she could not gain approval to lease on her own. I was out of the picture at this point and had nothing to do with that agreement. Based on principles and what is fair and lawful, I should not be held responsible for someone elses debt. I paid the rent from XX/XX/XXXX- XX/XX/XXXX and do not owe anything additional as my lease was up, plus I left the deposit. 

I sent a letter and they are supposed to investigate the complaint after XXXX when they are back in the office. I need this resolved quickly to move forward with my home purchase.
Consumer complaint received 2023-12-18
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXXXXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX : Account Number:XXXX has violated my rights. Or 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.