davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-12
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-12
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. (NJ)

XXXX XXXX XXXX XX/XX/2022 XXXX This doesn't belong to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC. (KS)

I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and XXXX XXXX.
Consumer complaint received 2024-05-07
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)

TRACKING # XXXX XXXX XXXX XXXX XXXX ATTN : EQUIFAX TO WHOM : IT MAY CONCERN ACCORDANCE TO TITLE 15 6801 ( a ) ( b ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) PROTECTION OF NONPUBLIC PERSONAL INFORMATION ACCORDANCE TO TITLE 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN CONSENT TO HAVE THESE TRUST UNAUTHORIZED ACCOUNTS AND LATE PAYMENTSTHEY READ : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : 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 TO BE FURNISHED/REPORTING ON MY CONSUMER REPORT. I HAVE FILED A POLICE REPORT CASE # XXXX AND IVE FILED An FTC REPORT UNDER OATH THAT FEDERAL NUMBER READS # XXXX IT IS YOUR DUTY TO REPORT ACCURATE CLEAR AND PRECISE INFORMATION AND PROTECT THE CONSUMER PLEASE DELETE THIS IMMEDIATELY THANK YOU VERY MUCH IN THIS XXXX IN THAT ORDER. THX IN ADVANCE GOOD SIRS/MAAM. 


SINCERELY, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-29
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-09-07
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$390.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX  XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$330.00}
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Bureau Name : Bureau Address : [ Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Incorrect Address : - TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Money was debited from checking account on XX/XX/2023 using XXXX XXXX. As of XX/XX/2023, the bill was never paid. My payment is now late, and the lender is threatening to charge fees for the late payment and report it as a late to the credit bureaus.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXE XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

On XX/XX/year>, I submitted an application for a refinance mortgage with Carrington Mortgage. I spoke to an individual that said that my credit score was XXXX. I asked to see my credit score which he would not provide. Carrington Mortgage advertises that they accept credit scores as low as XXXX. Also, I inquired about rapid rescore when he told me that my credit score was too low. It was only then when he disclosed this option and sent an email appearing to use a tool provided by credit expert, to assist potential borrowers in increasing their credit score. In providing the steps that he claimed should be pursued could actually in fact lower my credit score, pushing me further from getting approved. My complaint is that this individual discriminated against me, a XXXX XXXXXXXX XXXX, by not readily providing information that could help me qualify for a loan. Further, the fact that a score of XXXX and the lender advertises that scores can be as low as XXXX, but refuses to provide and encourage, but uses company resources to in fact discourage the approval of an otherwise obtainable loan. I further indicated that I currently have a mortgage loan on my property that I would be paying off, which is not showing on my credit report but could be easily verified.
Consumer complaint received 2024-01-12
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)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXXXXXX  Please remove it from my credit report.
Consumer complaint received 2020-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (FL)

Right now with cash app has been going on since XX/XX/XXXX my funds have been frozen and no response from the company as in whats going on, I have over 800 $ worth of currency. And I have yet to hear anything going on two weeks now. After multiple emails. No way of actually calling or getting hold of customer service
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (IL)

On XX/XX/XXXX, I received a letter from Synchrony Bank where they lowered my credit limit for the following four reasons : 1. Lack of Real Estate Secured Loan information.

2. Average time since accounts opened is too recent.

3. Average time since revolving accounts opened is too recent.

4. Too high proportion of accounts recently opened. 

This automatically affected my credit score. Regarding the four listed points, I have the following observations : 1. False. I have never had a real estate loan since the beginning of my credit history.

2. No more accounts have been opened since the beginning of the business relationship with Synchrony Bank.

3. See point 2.

4. See point 2. 

Additionally : a. I have always paid before the due date and have paid more money than requested. 
b. They can verify that the only change in my credit history was reported by Synchrony Bank, so this is what affected my credit score. 

Therefore, there was no reason for them to lower my credit limit. I am not interested in using credit with Synchrony at the moment, but for my personal and professional future, it is very important to take care of my credit score. They should have found a way to NOT affect my credit score. Right now, this will affect me drastically as I obtained a job where I will require financing and because of the lowered score, I may end up being affected. 

I hope you can resolve my problem as soon as possible. I have a family to feed. Thank you.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined, undefined
Consumer complaint received 2024-01-12
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. (PA)

I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Consumer complaint received 2024-01-12
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. (LA)

Hello, I am contacting you in hopes to successfully dispute an account since I have already reached out to the collection agency on XX/XX/year>. I mailed them a letter requesting validation of the collection. They responded by mailing a letter telling me that the collection was verified without any documents with my signature or any other further evidence. However, I need to have this removed because it violates the Fair Debt Collection Practices Act by using misleading representations and unfair and deceptive practices in the attempted collection of a debt.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and BLOCKED. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (CA)

I received a Chime debit card in the mail on XXXX. I did not apply for nor want this card. I called the customer service number on the card to inquire as to why this account was opened in my name & what is the email/banking account associated with the account. I called 3 times & spoke with 3 different representatives. When I would start asking questions, all three calls were mysteriously dropped. I want to close this card that was fraudulently opened, but nobody will help me do that or tell me whats going on.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/2023, a stranger took my phone and was able to gain access to my entire XXXX XXXX app and account. He made some fraudulent charges including applying for a {$3500.00} personal loan and a {$600.00} cash advance on my credit card. The perpetrator transferred the money from the fraudulent transactions to another XXXX XXXX account member. He did a member-to-member transfer. Within minutes I reported the fraudulent charges immediately. While making the report, one of the representatives told me that I should empty my checking and savings accounts to pay off the fraudulent cash advance. I complied. She notified me that I would get my money back while XXXX XXXX completed their investigation ; but this left me without any money for days/weeks! I asked that XXXX XXXX please contact the member who received the money and take the funds back since it had not cleared yet. I was told a full investigation would be conducted and no identifying information about the other member could be provided to me. I understood, and depended on XXXX XXXX to conduct a full investigation as they said they would do. However, instead, on XX/XX/2023, I called XXXX XXXX to get an update on the investigation, at which time I was informed the XXXX XXXX investigation was complete and XXXX XXXX determined there was no fraud! I am not sure how a complete investigation was conducted when the perpetrators information was readily available to XXXX XXXX. The fraudulent charges were not transferred to some external institution. XXXX XXXX has the name, address, social, and a ton of identifying information of the individual who received funds from a fraudulent transaction, but nothing has been done to recover the funds?? How is this a full investigation? How has XXXX XXXX conducted a full investigation without even speaking with the assigned police XXXX who is conducting the criminal investigation? XXXX XXXX with the XXXX XXXX Police Department informed me he would be going to the local XXXX XXXX branch to do some further investigating, meanwhile, XXXX XXXX had already made a decision no fraud occurred. How can a decision like that be made when there is a current active criminal investigation being conducted? How was a full investigation conducted if XXXX XXXX has not even had any communication with the criminal investigator? If XXXX XXXX did their due diligence, you would have known that there were several victims who experienced very similar crimes in the same vicinity around the same time as me. I have provided XXXX XXXX with the police report, I have complied with every request, I have completed every form in a timely manner.
Consumer complaint received 2024-05-22
Product: Credit 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: Affirm Holdings, Inc (KY)

On XX/XX/2024, a fraudulent purchase of {$900.00} with a {$220.00} down payment and four interest-free installments was made on my Affirm account. After reviewing my account, I was shocked to discover that a purchase was made to XXXX XXXX XXXX. Affirm approved the loan and provided a loan number : XXXX. The down payment was {$220.00}, paid on XX/XX/2024. 
I contacted Affirm and alerted them that I had not made this purchase and that they should investigate and remove all charges, including canceling this order. They advised me they would take a closer look and investigate the matter and would email me their findings. After a few days, I received an email from Affirm concluding that I was responsible for this loan. I have contacted them again ( 4 times ), and each time, they returned with an email concluding I was responsible for this loan and suggested contacting the merchant, XXXX XXXX XXXX. I took their advice and contacted XXXX XXXX XXXX, the merchant. XXXX XXXX XXXX confirmed they had no record of any order under my name or email associated with the loan number provided. The merchant, XXXX XXXX XXXX, initiated a three-way call with Affirm and myself and informed Affirm that they, the merchant, had no record of any order under my name, my email, or that loan number, and they requested to remove this loan and cancel the order. Affirm then advised us that they will go under further investigation again with no promise they will remove this fraudulent loan even though the merchant told them it is a fraud order. I was advised by the merchant to contact you because they also felt that Affirm is not willing to resolve the issue. At this point, I have no choice but to seek your assistance in resolving this issue due to the fact that Affirm shows the first payment due on XX/XX/XXXX, followed by the rest of the payments on XXXX XXXX XXXX XXXX XXXX