davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (WA)

I was caught in a scam purchasing a puppy. I XXXX the breeder later realizing it was a scam. Never received the puppy and was a fake online. 
I filed the dispute with my bank immediately the same day. The woman on the phone told me I would have my funds 7-10 business days. From that period to the 10th business day I had spoken to 4 other associates who all told me I would receive my funds within that 10 day period. I called on the 10th and 11th day and was told I would receive the funds the following Monday ( yesterday ). I called yesterday the woman told me she wouldnt send an email to figure out where my funds are and would have an answer and the funds in my account by today. I called today. The first person told me they had no answer and no information. I called back. Spoke to a gentleman who told me that I wouldnt receive my money back. After weeks of battling this bank and being hung up on constantly, transferred over and over and over again, I basically got told to kick rocks and I wont see my money back. I was told by MANY people I would receive it back a week ago and never did. Even yesterday was told I would see it back and now Im getting a different answer. Im so frustrated with this bank I will never use them again and I will be discontinuing service with them. They are supposed to protect my money and yet they cant protect a scam on my account and then give me false information as to where and when I would get my money.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am initiating a dispute and investigation because these accounts are incorrectly listed on my credit file. Under the Fair Credit Report Act, I am owed {$1000.00} for each error. FCRA 605B stipulates that any inaccurate accounts on a consumer 's report must be reported.
Consumer complaint received 2024-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XX/XX/XXXX my husband and I found out a lien was placed on our joint bank account. On XX/XX/XXXX we found out it was from Bank of America for a Signature Visa which we have never had. Apparently the credit card was opened in XXXX using my social and my address and it was closed in XXXX. The attorneys who filed garnishment could not find my name on file. Neither could Bank of America. I asked to claim fraud or identity theft and was told to contact the Credit Bureau... .the Credit Bureau said that they cant file a dispute on something that doesnt exist ... .nothing regarding this credit card has ever shown up on my credit report. I go to court tomorrow for a garnishment exemption hearing but then what? Does the Virginia statute of limitations come into play?
Consumer complaint received 2024-01-25
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. (NJ)

In accordance with the fair credit reporting and XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TN)

Today, XX/XX/20, my application for an XXXX XXXX credit card was denied. They said that my credit accounts were frozen. XXXX, Experian, and XXXX have each verified that my credit accounts with them are not frozen. What steps can I take to fix this problem? 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-25
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. (IL)

Hi my name is XXXX XXXX Im Having A Problem This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - XXXXXXXX XXXX XXXX  - open XX/XX/2023 XXXX  XXXX XXXX  open XX/XX/2023 XXXX XXXX XXXX  open XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 Pursuant XXXX XXXX XXXX XXXX Block of information resulting from identity theft Except as otherwise provided in this section, 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 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope this message reaches you promptly. I am writing to urgently request the immediate removal of old items and also the new fraudulent items that have appeared on my credit file. 

Despite previous attempts to rectify fraudulent entries on my credit report, I have discovered new fraudulent items that have recently emerged. This situation is deeply concerning and requires urgent attention to mitigate any further damage to my financial standing. 

I urge you to escalate this matter and take immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that we address this issue swiftly to prevent any adverse impact on my creditworthiness and financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-25
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. (MS)

Requested that incorrect information in addresses that do not belong to me be removed. They continue to keep outdated addresses on my credit file after numerous attempts of requesting they be removed. 

The also continue to report outdated information pass the 7 year mark and I have requested that information be removed as well.
Consumer complaint received 2024-01-25
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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-01-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to express my frustration regarding the lack of action on the fraudulent accounts present on my credit report. Despite multiple attempts to dispute and submit complaints, I have not seen any progress in their removal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX if the fraudulent accounts are not promptly removed , I will seek legal counsel. I believe their inclusion violates my rights under the Fair Credit Reporting Act.
Consumer complaint received 2024-01-25
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. (MS)

I have never done business with the debt collection company, more importantly the alleged debt is not owed as it was paid. I request that credit bureaus do a through investigation before slapping a debt on a credit report. Attached are the details showing the debt was cleared. Please remove this negative information from my credit file as it does not depict an accurate description of my credit worthiness. I ask this be removed in XXXX business days or I plan to pursue legal action against the credit bureau for their reporting without proper validation of the debt. The company has never owned the debt nor have they provided proper verification as they can not provide documentation.
Consumer complaint received 2024-01-25
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. (NY)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on 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
Consumer complaint received 2022-10-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (HI)

There are two collections that have recently appeared on my credit report this XXXX and XX/XX/XXXX, these are due to fraud and identity theft. Both collections are XXXX  years and XXXX  months old. I can see that one of the collections is from a Credit Card with Victoria Secret that was closed in XXXX and reopened fraudulently in XXXX. A credit statement was sent to me which I disputed because it was not me that opened that account. I froze my credit because soon after I had calls for home loans and bank accounts trying to be opened under my name in California. These identity theft and fraud collections have never appeared on my credit report until now.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Around XX/XX/2024 I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXXXXXX XXXX XXXX other account is XXXXXXXX XXXX XXXX  is another account that was done fraudulently.
Consumer complaint received 2024-01-25
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. (CA)

Transunion is illegally reporting various negative accounts to my consumer credit report. The following negative accounts are as follows. 

XXXX XXXX XXXX XXXX account is posted reflecting late payments and is listed as closed account for the amount of {$2100.00} since XXXX of XXXX XXXX XXXX account is being reported as a charge off for the amount of {$1300.00} since XX/XX/XXXXXXXX XXXX XXXX  account is listed as charge off for the amount of {$570.00}, since XX/XX/XXXX XXXX XXXX account is reported with late payments and as a charge off for the amount of {$330.00} since XX/XX/XXXX XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$78.00} since XX/XX/XXXX XXXX XXXX - XXXX is being reported as closed for the amount of {$3000.00} XXXX XXXX XXXX account is being reported as a charge-off for the amount of {$81.00} XXXX XXXX XXXX XXXX account is being reported with late payments since XX/XX/XXXX XXXX XXXX XXXX XXXX is being reported as a charge-off and collection for the amount of {$680.00} All of the aforementioned accounts are derogatory on my credit report and illegally posted according to 15 USC 1681a and 15 USC 1692, as I did not consent to any of the accounts being posted, nor do I have any knowledge of the balances or origins of the accounts. 

As a result of these negative accounts on my credit report I have repeatedly experienced adverse action and been unable to access extensions of my credit.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2024-05-09
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. (NY)

PLEASE BLOCKED AND REMOVED Urgently, I request the prompt removal of the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please rectify this promptly.
Consumer complaint received 2024-01-25
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 am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-01-25
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 in accordance with the Fair Credit Reporting Act. 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 XXXX XXXX XXXX
Consumer complaint received 2024-05-09
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)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-25
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Around XX/XX/2024 I was made aware someone used my information to try and open accounts. I also was made aware other accounts were open and sent to collection. Original account holders are XXXX XXXX XXXXXXXX XXXX XXXX, other account is XXXXXXXX XXXX XXXX is another account that was done fraudulently.
Consumer complaint received 2024-08-13
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)

hi, i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they are affecting my ability to obtain credit. 

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX Account number : XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX Date opened : XX/XX/XXXX 2020
Consumer complaint received 2024-08-13
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. (TX)

I have bankruptcy listed on my credit report and XXXX XXXX confirmed they do not verify this Information. They can not verify or confirm the Bankruptcy. The only place that can confirm is the courthouse and I did not provide consent. With that, all records indicating Bankruptcy via my credit report with all credit agencies must be removed.