davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-16
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. (AL)

I am a victim of identity theft the following accounts were opened under my social security number fraudulently. This is a violation of my FCRA rights. I never signed anything requesting credit or services from any of these companies. 

The following accounts do not belong to me : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of the above companies are accounts that were opened up under my social security file without my consent. 

The following inquiries were also opened up under my credit file fraudulently : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX The above companies are inquiries opened up under my social security number without my consent. These are fraudulent inquiries.
Consumer complaint received 2024-05-17
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 am writing to follow up on our ongoing efforts to delete the fraudulent items from my credit report. Despite our initial attempt, I regret to inform you that these items still persist on my record. As we enter the second attempt to address this matter, I want to emphasize the critical importance of rectifying these discrepancies promptly. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving these matters and a clear timeline for when I can expect to see these fraudulent items deleted from my credit report. With this, I am asking for your assistance to remove the fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-31
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)

When I looked in my credit report, I was confused to see multiple months that are inaccurate that I was on time for. I always look to make timely payments, these are clearly not 100 % accurate. I demand that the payment status are removed and updated to on time for the months that are clearly inaccurate : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

Throughout, I've diligently maintained prompt payments on this account, preventing any overdue instances. The reports of tardy payment comments on my accounts puzzle me ; I'm uncertain about their origin. Per 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Account # XXXX Follow-Up : No Response Received Regarding Late Payment Dispute** Dear Sir/Madam, I am writing to follow up on the letter I sent on [ insert original letter date ], regarding the late payments marked by your company for my account on the following dates : Date of Late Payment : XX/XX/XXXX Date of Late Payment : XX/XX/XXXX In my initial correspondence, I requested information pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) and 15 USC 1666 ( b ), specifically regarding the reasonable procedures you have adopted to ensure timely and accurate reporting of payment history on my consumer report. Additionally, I requested a written explanation of how these procedures align with the requirements set forth under section 1637 ( b ) of Title 15. 
As of today, I have not received a response from your office. According to the Fair Credit Reporting Act, you were obligated to respond within 30 days of receiving my letter. Your failure to respond within this timeframe implies that you may lack the necessary procedures to verify the accuracy of the late payments reported.

Given the absence of a response, I request that you promptly remove the late payments from my account and update my consumer report with the credit reporting agencies ( XXXX, Experian, and XXXX ) to reflect this correction. The negative marks on my credit report are adversely affecting my financial standing, and I urge you to address this matter with the urgency it deserves.

Please confirm in writing that the requested corrections have been made and that my account has been updated to reflect a positive status. You may forward any updates and responses to the address listed above.

Thank you for your attention to this matter. I look forward to a prompt and positive resolution. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX SSN : XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally complain about a serious issue concerning the reinvestigation process on my credit report, as required by the regulations outlined in 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has not removed a late payment from my account with [ XXXX XXXX XXXX  ] despite my efforts to correct this inaccurate information. 

I recently disputed the presence of a late payment on my [ XXXXXXXX XXXX XXXX  ] account, which has negatively impacted my credit history. Under the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was required to conduct a reinvestigation to ensure that any inaccuracies were promptly corrected. 

However, despite this legal obligation, the credit bureau has failed to properly reinvestigate and correct the erroneous information on my credit report. This negligence has harmed my credit score and jeopardized my financial well-being. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter urgently and ensure that the credit bureau complies with the relevant regulations. I am seeking immediate action to rectify this error and restore the accuracy of my credit report. 

Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and [ XXXXXXXX XXXX XXXX ]. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Thank you for your prompt assistance. 

Sincerely, Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-05-17
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 am writing to follow up on our ongoing efforts to correct the late open account on my credit report. Despite our initial attempt, I regret to inform you that this issue still persists. As we enter the second attempt to address this matter, I want to emphasize the urgency and importance of rectifying this discrepancy promptly. The presence of a late open account affects my credit score and raises concerns about the accuracy and integrity of my credit information. 

I kindly request that you prioritize the investigation and resolution of this discrepancy, ensuring that all necessary steps are taken to correct it in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. Furthermore, I would greatly appreciate receiving regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see this discrepancy corrected on my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-17
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

XX/XX/XXXX XXXX 
I attempted to sell off my crypto of XXXX though XXXX XXXX though Binance.US as they recommended to use. I had {$23000.00}. I had to download Binance.US app as recommended by trusted wallet. After setup I followed Procedures and Proper Passwords..after that I proceeded to sell off my assets. At that point I got no confirmation. I immediately contacted both Companies, they advise me And sent me links to do over. I have been corresponding with them for weeks. And Nothing they said they have nothing they can do to recover. 
XXXX XXXX. 
THANK YOU XXXX XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I have unauthorized inquiry on my report from XXXX XXXXXXXX XXXX. I did not authorize this inquiry and there is fraud protection on my account which should have alerted me but it did not. So you are in violation of several federal consumer laws including USC 15 1681 I demand this unauthorized inquiry be removed immediately or I will not hesitate to pursue legal action.
Consumer complaint received 2023-06-26
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. (GA)

I am a victim of identity theft and I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. Transunion, XXXX and XXXX refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts properly they would see that the accounts don't belong to me.
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I transferred some money to coinbase to be able to trade, buy crypto and be able to send crypto as I wish to trade certain currencies not on coinbase, before I could do any of it, despite me having a verified old account with coinbase, they blocked my funds and didn't let me withdraw
Consumer complaint received 2023-06-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/, I tried to log into my checking account with Truist but I was unable to access the account. I called the number on the back of my debit card and a representative told me that my account was closed because Truist ended their " relationship '' with me due to " XXXX fraud '' and that I should wait until a letter explaining " why '' was mailed to me and it would explain the closure. As of XXXXXX/XX/XXXX I had not received the letter. I called the number on the back of my card again and the representative indicated that someone had accused me of a fraudulent XXXX transaction. On Saturday XX/XX/, I went into a local branch on XX/XX/XXXXXXXX in XXXX, Ga. and spoke with XXXX XXXX. He was not able to provide me with any additional information except that the notes stated that my account should not be reopened for any reason. 

I received the " letter '' on XX/XX/ but I did not get access to it until Sunday, XX/XX/XX/XX/XXXX However, the letter did not refer to the reason that my account was closed like the Truist representatives told me would be include in it. I have uploaded a copy of the " letter '' to the portal. 

I am asking that your agency reach out to this institution in order to get a NON-Inflammatory reason for ending our " relationship ''. Being accused of fraud is a damaging accusation and will cause major damage to what I am doing in my life. I could care less about them closing my account even though after this I would close it myself because of the highly inflammatory accusation. I would like for not only to be provided with the information they received that brought them to this decision and I would like for this information to be removed, if added, from the data base that banking institutions used in order to open an account.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern : In accordance with the Fair Credit Reporting act, XXXX XXXX / XXXX XXXX  has violated my rights. They are reporting a 30 day late payment for the month of XXXX. I have been extremely frustrated with companies due to the constant improper reporting, my flights are constantly being violated and it is causing a major hinderance to my life. 

These companies have 30 days to respond according to the Fair Credit Reporting Act.

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 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

Please update my XXXX XXXX/ XXXX XXXX account to Paid as Agreed, Never Late.
Consumer complaint received 2024-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

Account has been sold to CREDIT COLLECTION SERVICE without my consent and under 15 U.S. Code 1692G that is violating my consumer rights. I want this deleted from all three credit reporting agencies immediately. The original debtor posing as a creditor is PROGRESSIVE. I sent them a negotiable instrument ( 1099 A ) and accepted for value the coupon voucher for {$810.00}. I sent it certified with a return receipt so I have proof it has been received. Again Progressive sold my account to them so they basically violated my consumer rights trying to double dip. Please delete this asap!
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

It is the Credit Reporting agencies duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are not. XXXX, Transunion and XXXX are reporting XXXX inaccurate late payment for the XXXX XXXX XXXX XXXX with the account number XXXX. This includes late payment ( s ) 60 days from XX/XX/2017. This is incorrect and supposed to be reported as Paid as Agreed. Furthermore, pursuant to 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person ( s ) making the report. A transaction constitutes these late payments resulting in Transunion, XXXX and XXXX in violating my Federally protected rights. To add to this, I did not give ( Credit Bureau ) written instruction/permission to furnish these inaccurate late payment ( s ) on my consumer report of file, thus violating 15 U.S.C. 1681 b ( a ) ( 2 ). It is clear that Transunion, XXXX and XXXX have violated my Federally protected rights under the FCRA and the inaccurate reporting is causing me undue hardship and my reputation severe harm and discrimination.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PRANCER CAPITAL CORP (VA)

Subject : Unauthorized Hard Inquiries Dispute Request I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit report and found the following inquiries to be unauthorized and made without my consent : Details of Unauthorized Hard Inquiries : 1. Inquiry by : Prancer Capital Corp Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Inquiry by : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. Prancer Capital Corp Date of Inquiry : XX/XX/XXXX I did not apply for credit with any of the above-mentioned entities nor did I authorize these inquiries. These inquiries are incorrect and should be removed from my credit report immediately. 

Supporting Documentation : 1. Identity Theft Affidavit : I have attached an Identity Theft Affidavit from the Federal Trade Commission.