davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my extreme frustration and anger about the account on my credit report that shows late dates and a negative status. This account belongs to XXXX  XXXX XXXX Date Opened XX/XX/2017 Balance XXXX}. Let me clarify that this was an error on the database of the bank. I have never been late and always paid on time. Therefore, I demand that the bureau removes the late dates and updates the negative status of this account to a positive one. I already submitted a dispute to XXXX regarding this issue, and they have addressed it accordingly. They have removed the late dates and updated the negative status of this account to a positive one. I was the victim of this error, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-04-18
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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint is not handled accordingly. Cause you know guys, I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items. I attached a letter I previously sent.
Consumer complaint received 2024-01-03
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. (MO)

I am writing to formally address a concerning matter related to my credit report. Despite several attempts to rectify the situation, there continue to be unknown inquiries on my credit file, negatively impacting my credit standing. I believe this is a serious violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting your prompt attention to resolve this matter. 

I have attached supporting documentation, including copies of my credit report highlighting the unknown inquiries and any correspondence related to my previous disputes. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the unknown inquiries from my credit report. As per the FCRA, it is imperative that credit reporting agencies ensure the accuracy of the information they report, and the presence of unknown inquiries is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the unknown inquiries. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-03
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. (FL)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, 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
Consumer complaint received 2024-04-27
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. (KY)

I feel XXXX, Transunion and XXXX illegally obtained my public records without my authorization and illegally purchased a XXXX  XXXX bankruptcy bearing my name and all the adversed accounts included in that XXXX  XXXX from XXXX. I have consistently asked for them to delete all the unauthorized and unsubstantiated items from my credit report because those items aren't on my XXXX database. I have proof stating that XXXX and XXXX get public records from XXXX. Which therefore holds XXXX and XXXX XXXX responsible for illegally selling/buying public records bearing my name and for deletion of all adversed accounts that were listed in the XXXX  XXXX bankruptcy from all 3 of my credit reports. All by the LAW Must be Deleted from my credit reports Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached the updated evidence that clearly specify how XXXX XXXX obtains my public records. However recently that put that they retrieved them from XXXXXXXX XXXX  bankruptcy Clerk but that has been disproven. 

ATTACHMENTS
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim. I am writing to dispute the accounts on my credit report that I believe are inaccurate, incomplete, or unverifiable. I demand that these accounts be removed immediately. Upon reviewing my credit report, I noticed that the bureau reported the following accounts : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, and XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}. I want to remind you that under the Fair Credit Reporting Act ( FCRA ), you must provide enough information to verify these debts. However, I noticed that you did not provide enough information to do so. Therefore, I demand that you remove these accounts from my credit report. I already submitted a dispute to XXXX regarding this issue, and they have already removed these accounts from their records. They found that the information provided by the creditor was not enough to verify these debts.
Consumer complaint received 2024-01-03
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-02-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (PA)

I had a mortgage with Wells Fargo. I was a single parent and was struggling with payment. They would not work with me and I lost my home. It was listed under XXXX XXXX at the time.
Consumer complaint received 2024-04-27
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 believe FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurately reported in terms of amounts and dates.
Consumer complaint received 2023-08-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

An account I follow ( XXXX XXXX ) on XXXX raved about quick returns on XXXX  investment she did with ( XXXX XXXX  ) and I started a conversation with her to invest {$1000.00}. This person has a fake website with login & all. The received the money & confirmed that they have traded for XXXX- after about 12hrs they asked for more money {$500.00} to upgrade brokerage account so as I can withdraw profits out of it. I sent {$500.00} as a charge ti upgrade brokerage account. After couple of hours they were like, the trade they bought for me had low signal and would not actualize into profits if the signals not upgraded and I would lose the original {$1000.00} too. If I dont send additional {$3000.00}. I was like no way im sending {$3000.00}. Then the person on other side like okay you pay half & Ill take care of the rest. And after sone conversation I sent $ XXXX broken into {$800.00} & {$700.00} ( through XXXX XXXX XXXX  XXXX which has been refund ) payments. And post that they tried to hack my XXXX & I refused to use any link sent by them. 
Reported to the bank & Zelle within 2 days, the accounts were removed from Zelle but the amt hasn't been reversed- if XXXX  can reverse a XXXX XXXX XXXX payment seeing the case why can't zelle help? 

XXXX XXXX XXXX - website used by the scammers.
Consumer complaint received 2024-01-03
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. (NY)

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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$4900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

ALL THIS STARTED WHEN XXXX XXXX APPROACHED ME TO HIRE THEM TO COMBINE ALL MY CREDIT CARD PAYMENTS INTO ONE BACK IN XXXX  2023. I TOLD XXXX XXXX I COULD NOT AFFORD TO HIRE THEM I DID NOT NEED THEIR SERVICES. THEY ACTED WIHOUT MY PERMISSION AND CLOSED ALL XXXX CREDIT CARDS, CAPITAL ONE PLATNUM # XXXX, QUICK SILVER XXXX, WALMART XXXX, AND XXXX XXXX  XXXX AND XXXX XXXX  XXXX AND THOSE COMPANIES REPORTED ACCTS CLOSED SAYING I CLOSED THESE ACCTS I DID NOT AND LATE PAYMENTS ON SOME BUT I HAVE BEEN UP TO DATE AND WORKING ON A PAYMENT PROGRAM FOR ALL CARDS. THEY CRASHED MY CREDIT REPORT TO XXXX SCORE. I'M ON SEC 8 HOUSING AND I CAN NOT KEEP MY APARTMENT WITH BAD CREDIT. THERE IS NO 2ND CHANCE TO RE~ATTAIN SEC 8 HOUSING EVER AGAIN.
Consumer complaint received 2024-01-03
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

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 2024-01-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to bring to your immediate attention the presence of fraudulent accounts on my credit report, and I demand their prompt deletion. The inclusion of these unauthorized entries severely impacts my creditworthiness and tarnishes my financial reputation. I expect your immediate and unwavering cooperation in rectifying this matter. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests.

I have recently reviewed my credit report obtained from your bureau and was appalled to discover several accounts that I can confirm are fraudulent and unauthorized. The information associated with these accounts is inaccurate and has been damaging my credit score, causing me significant distress. 

The fraudulent accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am formally disputing the validity of these accounts and demand their immediate removal from my credit report. It is imperative that you conduct a thorough investigation into these matters and rectify the inaccuracies promptly. Failing to do so within the legally mandated time frame will leave me with no choice but to pursue legal action against your bureau for negligence and non-compliance with the Fair Credit Reporting Act ( FCRA ). 

I have attached supporting documentation, including a police report and any other relevant evidence, to substantiate my claim of fraudulent activity. I trust that you will take this matter seriously and act swiftly to rectify the inaccuracies on my credit report. 

I expect a written response within 30 days, confirming the removal of the fraudulent accounts and providing an updated and accurate credit report. Failure to comply will leave me with no option but to escalate this matter to the appropriate regulatory authorities.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC. (GA)

In accordance with the fair credit reporting act. this creditor has violated my rights under 15 usc 1681 section 602 states i have the rights to privacy, 15 usc 1681 section 604a section 2, consumer reporting agency cant furnish account without my written instructions. 15 usc 1666b a creditor my not treat a payment on a credit card account under a open end consumer credit plan for any purpose.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please find attached, along with XXXX supporting attachments, my Formal Direct Dispute of Alleged Account No. : XXXX XXXX XXXX XXXX and its corresponding Receivables In Case Of XXXX XXXX XXXX XXXX  ( formerly known as ) XXXX XXXX XXXX XXXXXXXX, dated XX/XX/XXXX.
Consumer complaint received 2023-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I paid off a XXXX balance on my Bank of America credit card ... due to a technical glitch it looked like the payment did not go through, so i paid it again... essentially, i overpaid the card by XXXX. The card balance now shows XXXX. I have tried to have this amount placed back into my checking account, but they won't call me back when they say they will. I have been trying to resolve this for XXXX weeks now. 

Please help!
Consumer complaint received 2024-01-03
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. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
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. (FL)

I am writing to express my continued dissatisfaction with the handling of my credit report by your agency. Despite a previous attempt to correct inaccuracies related to late open account, the issues persist, and I am compelled to bring this matter to your attention once again. 

Despite my prior dispute and documentation provided to rectify this late open account, it continues to be reported inaccurately on my credit report. 

I have attached supporting documentation, including letters of dispute and evidence of resolution, from my previous attempt to rectify these issues. 

I kindly request that your agency conducts a thorough reevaluation of these matters and takes immediate action to correct the inaccuracies related to the late open account on my credit report. I understand the importance of accuracy in credit reporting, and this persistent errors are adversely affecting my creditworthiness. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to correct the late open accounts. 

Please provide a written response within 30 days of receiving this complaint, as required by applicable regulations, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX XXXX XXXX Balance : {$120.00}.
Consumer complaint received 2024-01-03
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am WRITING to EXPRESS my EXTREME FRUSTRATION and ANGER about the account on my credit report that shows an INACCURACY. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$420.00}. Let me CLARIFY that this was due to an ERROR, and I DEMAND that you REMOVE this account from my credit report IMMEDIATELY. I already SUBMITTED a dispute to XXXX and XXXX regarding this issue, and they have ALREADY REMOVED it from their records. They FOUND an ERROR and were able to VERIFY it. I'm CONFUSED how you've VERIFIED this account while the other bureaus have ALREADY REMOVED it. Please DELETE this account from my file. It is INACCURATE, ERRONEOUS, INCOMPLETE, or UNVERIFIABLE. I was the VICTIM of this error, and I'm NOT SURE why the credit reporting agency is NOT COMPLYING with the law. The other bureaus have FOLLOWED SUIT. I'm VERY CONFUSED why this one seems to IGNORE my REQUESTS. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.