davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-22
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 a to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 

I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 

I have also requested that my personal information ( Address and name ) be updated and have provided proof of such with my Driver 's License and bank statement with the credit reporting agencies. XXXX has refused to do so. On XX/XX/, I called XXXX and spoke to an agent named XXXX who refused to provide me with an Employee ID for security reasons. XXXX claimed that I would have to call all of the creditors on my credit report that are reporting my name incorrectly to have it corrected, even creditors that I no longer have an account with in other words closed. This further proves that this credit reporting agency is intentionally reporting inaccurate information about myself even though I have provided proof multiple times when disputing. 

I will be uploading documents as proof of my dispute letters
Consumer complaint received 2024-04-17
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. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-19
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)

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

Account name : XXXX  XXXX, Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-10
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (WV)

This gift card was bought as a XXXX present but sat laying unopened in my safe for a while until I was ready to use it but when I checked the balence I seen it had already been used
Consumer complaint received 2024-04-17
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. (TX)

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

The two line items Dept of Ed/XXXX ending in XXXX and XXXX both were taken off of my credit report for the past XXXX years. recently Equifax for some reason allowed this company to have this back onto my credit report. 
I am making this report for Equifax to take these two line items off permanently. This has caused my score to drop and financial stress. 

Thank You
Consumer complaint received 2024-02-04
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL (FL)

I applied for Care Credit in the beginning of XXXX. I went through the entire application process upon which Synchrony Care Credit sent me a link to scan my face and my driver license. I scanned my face with no issues but when I tried to scan my ID it would not read the barcode. Thus, I was denied a line of credit. So I called and they send I could send a letter stating why I disagree with the determination. So I wrote up a letter stating I am myself and I am applying for a line of credit. I included the date I applied, my application number and a color copy of my driver license and social security card as well as some personal information to prove to them I am who I am. ( Which is that I am a co-signer on my Moms account and included all of her personal information as well-someone other then me wouldnt know that ). They eventually sent a letter back saying that this information I submitted was not sufficient in proving my identity so they advised I wait a month and try again. So, I waited almost a year after I was issued a new driver license, I thought maybe this time it will work. Same result. I called again explaining that my credit has now been dinged twice just to be denied due to a system error. I explained that I have an Amazon synchrony account and had no problems with that. They said there was nothing they could do to help me, that I could just keep trying. I dont know how it benefits them to keep letting people ding their credit and not fix their verification system but I am very upset. If they can not verify me and approve my account then I want the songs removed from my credit line. How many peoples credit are they harming when all we want to do is built our credit?
Consumer complaint received 2023-12-13
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. (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-09-26
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. (NC)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} 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 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Inquiries included in dispute : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Consumer complaint received 2024-02-07
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. (NY)

XXXX XXXX refuses to provide me with account information which I am entitled to under Financial Services Law, specifically Part 419 of Title 3 of the official compilation of codes..of the XXXX XXXX XXXX. XXXX XXXX, by acknowledging me as an equal borrower on this note, has failed to provide me with information that needs to be provided to each borrower. I was not notified of the transfer of this loan but rather discovered it on my credit report in XX/XX/XXXX. I received the transfer letter in XX/XX/XXXX in a packet via XXXX XXXX attorney generals office. I was not given the notice of delinquency that I am entitled to if the borrower is more than 45 days late ( XXXX ). Never received requested payoff balance, requested annual statements, escrow balances or proof of property insurance! All this incompetence from a Mortgage Servicer. Outright refusal to provide required information! How can I verify the accuracy of this account? This needs to be removed from my credit report until ALL requested information is provided.
Consumer complaint received 2022-10-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

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 XXXX business days after the date of receipt.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

As per the attached LAW BREAKING CITIZENS BANK LETTER, we have advised Citizens Bank countless times in person, email, fax, etc that we are in XXXX XXXX  XXXX bankruptcy proceedings and to ( XXXX ) close our account and ( XXXX ) stop stealing accidentally deposited money from former clients but they abided by neither of our written and verbal admonitions. 

Now they send us, after stealing hundreds of dollars not meant for them, a letter stating that they are going to harm our credit history as well as list the account as a " charge off '' even though we are guilty of neither due to the above, and their non-stop incessant penalty fees and charges when there was no money in the account due to non-usage. 

Please investigate and advise, and if necessary we will file a contempt motion against them for constant, rampant, and massive violations of the automatic stay per 111 USC 362.
Consumer complaint received 2024-04-17
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)

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I am writing today to dispute the negative item on my credit report. This account listed below do not belong to me and must be deleted or blocked. 

XXXX XXXX. 

I noticed that you require documentation for such disputes. I reached out to my local law enforcement office, and they advised me to report the identity theft online at identitytheft.gov. They also instructed me to inform my bank, which is fully aware of the issue and has agreed to remove the item. However, they require your assistance in the process. I am including these reports in my letter to support my claim.
Consumer complaint received 2023-12-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Avant Holding Company, Inc. (FL)

Under this rule, a debt collector is presumed to violate federal law if it places telephone calls to a particular person in connection with the collection of a particular debt in either of the following circumstances. The collector calls more than seven times within seven consecutive days. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. 

The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to. 

Under the FDCPA, debt collectors can include collection agencies, debt buyers, and lawyers. Any FDCPA-covered debt collector who contacts you about a debt is required to tell you certain information about it. Repeated calls and emails
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (IL)

On XX/XX/XXXX, I requested an investigation through the XXXX online portal regarding inaccurate items on my credit file that were being reported erroneously. On XX/XX/XXXX, XXXX agency reported that they had completed their investigation, and the items were not deleted, as requested. On XX/XX/XXXX, I filed another dispute, noting that I had not yet received any correspondence from LJ Ross and Associates validating the debt in question. At that time, I also emailed XXXX requesting their method for validating the debt, but I have received no response from XXXX about this specific matter. I mailed my second letter to LJ Ross and associates via certified mail on XX/XX/XXXX, asking them to validate the debt which I still have not received a response from them on my first or second attempt. On XX/XX/XXXX I received a notice in my XXXX online account that my dispute results were available. When I logged in online, it said I needed to call a representative. When I called the representative on XX/XX/XXXX, the associate I spoke with told me they had not completed the findings, that there was only electronic communication from LJ Ross and associates to XXXX updating the debt as they had monthly, and that they had also not furnished any documentation validating the debt to XXXX as of yet. She also advised that I wait until XX/XX/XXXX, when the investigation would be concluded. I expressed my concern about never receiving any communication from LJ Ross and associates. When I logged into my XXXX portal, it said the investigation was concluded on XX/XX/XXXX. I have not received any correspondence or communication from LJ Ross and Associates, nor has XXXX provided any correspondence from LJ Ross and Associates validating the debt.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NC)

Chase credit card was used to purchase items from online retailer XXXX. The items were returned. 

XXXX fraudulently claimed : ( i ) certain items were not returned, and ( ii ) send one item back claiming it was damaged. 

In response, I provided Chase with : ( i ) shipping labels and tracking numbers confirming the returns were delivered to XXXX, and ( ii ) brought the item with purported damage to the manufacturer who provided confirmation in an affidavit the item had no damage. 

Chase declined to review the evidence and passed through the fraudulent charges.
Consumer complaint received 2024-04-17
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. (CT)

I am writing today to dispute the negative item on my credit report. This account listed below do not belong to me and must be deleted or blocked. 

XXXX XXXX. 

I noticed that you require documentation for such disputes. I reached out to my local law enforcement office, and they advised me to report the identity theft online at identitytheft.gov. They also instructed me to inform my bank, which is fully aware of the issue and has agreed to remove the item. However, they require your assistance in the process. I am including these reports in my letter to support my claim.