davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-13
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. (TN)

I'm writing to you today because the bureaus ' rejection of my identity theft claim has left me feeling incredibly frustrated and distressed, and it has been growing steadily. I have followed all of your bureau 's instructions, so I find myself in a confusing scenario where my valid claim is denied. 

This terrifying identity theft experience I've had has been nothing less than a nightmare. I have carefully followed your instructions to the letter in every action I have taken, document I have provided, and report I have filed with law enforcement. 

I'm quite upset as well as frustrated by this unfair rejection. It is impossible to overestimate the toll this experience has had on my emotional stability and financial security. The idea that I am encountering such opposition after carefully following your instructions is depressing and frustrating. 

I implore you to acknowledge the seriousness of my circumstances and the consequences of delaying action. As a consumer and identity theft victim, my rights are being flagrantly disregarded, leaving me feeling helpless and voiceless. 

XXXX XXXX XXXX XXXX XXXX has XXXX XXXX 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 demand that my identity theft allegation be given the fast attention and thorough investigation it deserves by your agency. My patience has run out, and I'm at my breaking point. I'm determined to see that this is accurately and quickly resolved. 

I anticipate receiving a formal acknowledgment of my dispute letter and a prompt commitment to fully investigate my identity theft allegation. I'm beyond frustrated and distressed, but I'm not going to give up on finding justice and a solution.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

XX/XX/year> Dear MIDLAND CREDIT MANAGEM Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you, written un written verbal and nonverbal per 15 usc6802.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (GA)

I moved and have been trying to get my vehicle registered in the new state, XXXX 
I started the out of state registration process in XX/XX/XXXX with GM Financial and I have requested the vehicle 's title to be sent to the XXXX multiple times. 
In XX/XX/XXXX, I contacted GM Fincncial to confirm if the vehicle 's title was sent to the XXXX. GM Financial said the state of XXXX takes a long time to process so I was told to wait another couple of weeks. XXXX weeks later I called again, GM Financial told me they've sent it via fax but XXXX didn't receive it so I asked again to resend. GM Financial said they would resend it via fax and mail. The following week, I was told that XXXX couldn't accept a copy ( fax ), and they haven't received a mail, I called GM Financial to notify that it couldn't be sent via fax. Then GM Financial told me that there was no record of the title being sent out. Now, in XXXX, nothing has happened. I called and was told that GM Financial didn't have my new name after I got married in XXXX which I sent the marriage certificate and completed name change request. I resent the marriage certificate and did the name change AGAIN. XXXX and XXXX I spoke with multiple customer service agents, every time I was told it was taking time because of my name change, there is no record about out of state registration in my account, or they sent it by mail so they couldn't help. 
On XX/XX/XXXX, I requested to send the vehicle 's title via XXXX with a tracking number instead of regular mail. I was promised that by the following week XX/XX/XXXX, when I call back, GM Financial would be able to give me a tracking number. Called on the XXXX. I wad told that there was no information about tracking number but it showed they mailed it out in the past. I AGAIN requested to send it out with a tracking number to the XXXX. Confirmed the address. I was promised I would receive a call from GM Financial by today XX/XX/XXXX the latest. No call. Called GM Fincncial and put on hold for about XXXX minutes, and then the line was disconnected. I don't know what else to do. I have a vehicle I haven't been able to drive for over 6 months and it's not going anywhere. Is it possible for you to help me? 
Anything would be helpful. 
Thank you for your time.
Consumer complaint received 2023-12-13
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. (IL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (MD)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (IL)

I XXXX XXXX XXXX indicates that TransUnion XXXX and XXXX are reporting inaccurate and incorrect items on my credit account. 

After me successfully removing these items the 3 credit bureaus continue to add more incorrect items/accounts on my credit file which does not belong to me. 

I XXXX XXXX XXXX indicates that this problem has been occuring for the past 4 and plus years. I XXXX XXXX XXXX indicates that after me successfully disputing these items with 3 reporting agencies inaccurate items that the accounts somehow reappear and other incorrect items/ accounts are open in my name. 

I also state that the XXXX reporting agencies make me wait again after I successfully disputed these items. 
I ask that you Please reach out to me if you may have any questions or concerns in regards to Serious federal Consumer fraud I ask that you Please see attachment below please and Thank you, Thank you, Best and kind regards XXXX ( XXXX ) XXXX Trans Union and subsidiary violated the FCRA by failing to remove inaccurate or incomplete eviction records from consumer reports, harming ability of people to obtain housing
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/, I contacted XXXX to stop my account. I returned my equipment the end of XXXX. I received a notice via email that I needed to make a payment by XX/XX/XXXX and on Monday, XXXX XXXX XXXX  i received notification from the credit bureau that the account is in collections. I reached out to XXXX on XX/XX/2023 to discuss the account and was informed that they forwarded the account to a collection agency. So am confused. If the account has been forwarded to a collection agency and i never received a notification from them stating that this would happen. How can the bureau report inaccurate information.
Consumer complaint received 2015-07-14
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Concord Resolution Inc (Closed) (IL)

keep getting phone calls from debt collection agency. 
they claim i owe a debt to an internet payday loan company. 
I never received any money in my account from this company. 
The debt collector is concord resolutions llc. their phone number is XXXX XXXX XXXX. I never got any paperwork or money form the company they say i owe money
Consumer complaint received 2023-11-09
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. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$910.00}.
Consumer complaint received 2023-12-13
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-11-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

XXXX Sent funds to a XXXX user for XXXX . These funds were sent in exchange for concert tickets. 
Concert tickets were not sent, and I attempted to reach XXXX user XXXX. After sending the funds, and never receiving the tickets. I contact wells fargo and XXXX. 
XXXX Sent an email to XXXX  , and opened a case XX/XX/27 at XXXX Called XXXX to report the user, and  receive the funds back. XXXX told me to contact my bank ( wells fargo ) XX/XX/27 at XXXX Called wells fargo, after opening a dispute case. Wells fargo said that they were unable to dispute my transaction, and that I needed to contact XXXX. 
XX/XX/27 at XXXX Called back XXXX and they then again referred me back to my bank. 
XX/XX/27 at XXXX Called Wells Fargo one last time in hopes they could assist me, received the same response Neither companies were able or willing to help me. XXXX did not even take action on a user collecting funds from an individual who doesnt provide the product. Now I am out XXXX , and did not receive the product I was looking to purchase, and had no help from either company.
Consumer complaint received 2023-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I was looking for a puppy for XXXX to my kids, I saw on XXXX a business page named XXXX XXXX XXXX puppies for adoption. I sent a message for more information, and this person contacted me through XXXX. She sent me pictures and videos and information about the process and the total cost, including delivery. At first, this person said her name was XXXX XXXX and said her business was located at XXXX XXXX XXXX XXXX TX XXXX also asked for a registration and processing fee of {$270.00} that could be sent by XXXX to $ XXXX or by XXXX to XXXX XXXX to XXXX which I sent through XXXX from XXXX Bank of America account on XX/XX/2023. A few days after I received pictures of an envelope with documents inside it was supposed be the change of ownership documents, she asked for my information for the delivery and asked for the rest of the cost which was {$270.00} more, it could be sent by cashapp to $ XXXX to a person named XXXX or by XXXX to XXXX XXXX XXXX which I sent through XXXX from XXXX Bank of America account on XX/XX/2023. A week after this person sent a video about the puppy and asked for the rest for the delivery, I sent it through XXXX from my Bank of America account on XX/XX/XXXX the resting amount of {$180.00} to XXXX XXXX, or XXXX XXXX to XXXX. I was contacted by text messages by her supposed husband named XXXX XXXX, he said the delivery agency they were using was not working out to send the puppy to my address so they were planning to used XXXX for the delivery. This was what he sent and said that they were asking for a kennel and extra charge of {$350.00}. At that point I noticed it wasn't right. I told him what I was thinking they were scamming me. They have been sending me messages from this phone number, and from messanger through XXXX XXXX XXXX facebook page which now she said is her name asking for more money to deliver the puppy. I went through her page and comments on other pages and notice this person is also scamming people from the business XXXX page named XXXX XXXX and XXXX XXXX  puppies for adoption and rehoming.
Consumer complaint received 2023-04-24
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. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish 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 no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX XXXX Opened Date XX/XX/ Balance {$0.00}
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

This is XXXX XXXX submitting yet another CFPB Complaint to follow up the previous CFPB complaint I submitted to request the correction and removal of the erroneous accounts reporting on my Credit file. I discovered that the information being reported on my credit report are incorrect when I reviewed my Credit File. Under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected ore deleted as soon as possible : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-13
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. (AZ)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2023-12-13
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. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-12-13
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. (NY)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (TX)

I made a purchase on XXXX for a washer and dryer. I paid using the Cash App. Shortly after the transaction and before it had completed? I realized the items did not work and notified cash app. After three days they processed the transaction anyway. Fortunately I had also notified my bank who stopped payment but cash app claims I owe them {$360.00} for the transaction they paid anyway.
Consumer complaint received 2023-12-13
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. (NH)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-21
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. (NE)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-12-13
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

My fiancee amd I were XXXX shopping in 2 different places. We only have 1 bank account so i.had her send me.funds via cash app she sent me XXXX, XXXX, and then XXXX $ totalling XXXX $ shebsent it cash app immediately sent the payments back to her, but when they sent them back the funds were never returned to her or the bank. So they sent back money they shouldn't have and the money they show as sent back was never received back. I've been trying to deal with the company since it happened on XX/XX/XXXX but every time I get a response they contradict them selves. Once they Said they said they were all sent back then they responded again saying the XXXX $ and XXXX $ were sent back and the XXXX stayed with me. In which none is true I have their responses saved I have my statements saved and they all contradict eachother as you will see I get a different answer every time and the statements and their answers all contradict themselves