davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (CO)

In XXXX of XXXX someone attempted to open several credit card accounts in my name. When I got back to town after holiday travel on XX/XX/XXXX I had multiple letters from credit card companies information me that this had occurred. I immediately contacted all of them. XXXX, XXXX, XXXX, XXXX, Bank XXXX XXXX, XXXX XXXX, XXXX, Comenity, XXXX, and XXXX XXXX all received applications and all denied the applications by doing their due diligence search, seeing that there were an unusual number for applications and sending me a letter denying the application without the submission of further information. None of these companies approved the fraudulent applications and all those accounts were closed. Citi had XXXX applications. The application for the Citi card was denied. I received a letter saying further action would be required in order to open the account. I called them and they close that account. However, the Citi AAdvantage card extended credit without the proper information. They sent me a letter on XX/XX/XXXX that says " we determined that your newly opened Citi/XXXX account requires additional verification. '' The account was flagged as suspicious. However, they extended credit prior to receiving this verification and the person charged {$560.00} on the card. On XX/XX/XXXX I called and notified them the account was fraudulent. They told me they would close the account and open an investigation. On XX/XX/XXXX I received a bill from them for {$580.00} ( the original charge plus interest ). I called and was told to speak to their fraud team. Then I was transferred to their XXXX XXXX XXXX. After being transferred to several people I was told it was still under investigation. On XX/XX/XXXX I received a new bill, now for {$620.00} ( the original amount plus interest and fees ). I spoke to customer service who transferred me to their fraud department, who then transferred me to their collections department, who then told me I needed to speak to customer services. I asked to speak to a supervisor multiple times but was continually transferred back to customer service and asked to give the same information multiple times. Each time the call was transferred the connection was worse to the point that after XXXX hours on the phone I had to hang up because I couldn't understand the person and they continually refused to resolve the issue or put me through to a supervisor. On XX/XX/XXXX I received letters stating that their investigation was closed and that I am responsible for the charges on this account because cards were mailed to an address that belongs to me ( which they weren't ). Clearly this account is fraudulent and this company extended credit without the proper due diligence that all of the other companies completed, including Citi itself.
Consumer complaint received 2024-04-15
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. (NC)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Please see attached FTC as Ive been a victim of identity theft. Someone use my information to get medical care I believe. The following accounts are fraudulent 1. XXXX Ive never done business with this company or entered into a signed contract. 
2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) $ XXXX {$1000.00} Ive never done business with this company or entered into a signed contract with this company. 
XXXX also added accounts to my credit had been removed from XXXX XXXX XXXX, which was fraudulent and blocked from my account. XXXX didnt give a 5 day notice before adding an this account to my credit which is fraudulent!! 

Please see attached ftc report, as its also a number of fraudulent inquiries on my report.
Consumer complaint received 2024-04-15
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)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2024-04-15
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-12-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Wolf River Development Company (CA)

Today, Friday, XXXX XXXX, 2023 at XXXX ; I received a phone call from a number I did not recognize. I let the call go to voicemail. The voicemail was from someone who identified themselves as " XXXX ''. She never stated what company she was with or really what it was regarding. All she said was that she needed to confirm some information I provided. After XXXX both numbers ( the one on my caller ID and the one provided in the voicemail ), I determined the call was from Fine Day Funds. I reviewed the online complaints on XXXX  website. It appears this company provides loans at 500 % interest and use questionable practices. They have complaints regarding overcharging people ( taking additional payments after the loan has been paid off ), depositing funds after people decline the loan, getting people to provide online banking information by telling them it is needed to deposit their funds they have been approved for, then telling them they have been denied after they have provided the information. I have never heard of this company until I received this call. I have never provided them with any information about myself. I do not know how they got my name and number, but they refused to remove any information associated with me from their system unless I called their number. I would like to report them for illegally gaining my information and refusing to honor my request to remove me from their system and stop calling me.
Consumer complaint received 2024-04-15
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. (MO)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (MO)

On XX/XX/year>, I sent LEXIS NEXIS a certified mail letter, requesting to delete inaccurate/outdated personal information from my consumer report for security purposes, and LEXIS NEXIS responded to the CFPB with correspondence stating, they can not authenticate my identity and requested I send a copy of my state id and a utility bill dated within the last 60 days. I sent my state id and a recent utility bill on XX/XX/year>, and have yet to receive a response!
Consumer complaint received 2024-05-25
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. (CA)

I don't recognize these Hard Inquiries. I already contacted the credit bureaus on XX/XX/XXXX but I did not receive a decision. 

Delete Hard Inquiries XXXX - XXXX XXXX XXXX ( XX/XX/XXXX ) Delete Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) Delete Hard Inquiries Equifax - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am trying to purchase a house, I realized that I had damages on my credit report. Accor the the 15 USC 1681 law there should not be any damages on my report its a defamation of character.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Complete Credit Solutions, Inc. (FL)

XXXX XXXX XXXX  applied a balance on my credit report of XXXX on XX/XX/XXXX, For a company call XXXX XXXX XXXX... last reported on XX/XX/XXXX
Consumer complaint received 2024-04-15
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. (GA)

I HAVE CONTACTED XXXX, XXXX AND TRANSUNION SINCE XX/XX/XXXX. NO RESPONSE. My identity has been stolen you are hereby put on notice for a second time. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to anyfelony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such XXXX, be sentenced to a term of XXXX of XXXX  years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. YOU TRANSUNION, XXXX, XXXX have aided this Fraud by not verifying these XXXX. The presence of this XXXX on my credit report violates 15 U.S Code 1681 a ( XXXX ) which guarantees consumer right to privacy. Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX Case Number : XXXX This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. 
XXXX. Unauthorized inquiry. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! 
XXXX. Unauthorized inquiry. XXXX  Date of inquiry : XX/XX/XXXX DELETE!!! XXXX. The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. 
Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX. XXXX XXXX Account Number : XXXX The presence of this bankruptcy on my credit report violates 15 U.S Code 1681 a ( 4 ) which guarantees consumer right to privacy. 
Sharing my personal information without my consent constitutes identity theft making you criminally and civilly liable. 
XXXX. XXXX XXXX XXXX Account Number : XXXX This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. 
This account contains false and erroneous information. I am prepared to take legal action. I demand an immediate removal of this account. Under 15 USC 1666b this late payment entry is a violation. I have been incorrectly billed. 
XXXX. XXXX XXXX XXXX  Account Number : XXXX Please update the status of this account to " paid on time. ''
Consumer complaint received 2024-04-15
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. (NY)

I asked how did you verify this information of these accounts if nothing was changed I did not get any answer in the mail I did not get anything from them I sent them certified letters got no response
Consumer complaint received 2024-04-15
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2024-04-15
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. (TX)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MO)

While reviewing my consumer report, I have discovered that there are inaccurate information and discrepancies. These are the following incorrect information reporting : Reporting in Equifax : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXXXXXX XXXX Reporting in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX  XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC (IL)

The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?
Consumer complaint received 2023-04-16
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. (GA)

I was told that these inquiries was not going to be hard pulls due to the fact I was apply for business funds. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2023-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WY)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-06-09
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: Merchants and Medical Credit Corporation, Inc. (MI)

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, MERCHANTS & MEDICAL CREDIT CORPORATION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. MERCHANTS & MEDICAL CREDIT CORPORATION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Consumer complaint received 2024-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
Consumer complaint received 2018-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

Equifax Confirmation Number XXXX had the specific as folllow : Dispute Summary Type Name/Account Details Reason XXXX XXXX XXXX XXXX XXXX, SURPRISE This is not my address ; it belongs to a Address, AZ XXXX relative or another person with same/similar name. Confirmation number : XXXX Equifax broke FCRA act by adding to Mr. XXXX record that unthorized address as described above in that Equifax online dispute confirmation XXXX. Moreover Equifax deleted a longtime address of Mr. XXXX which is : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX va XXXX. Equifax falsified Mr. XXXX Record That It administers in violation of law. Other violations committed as Record will bring the allegations stated else where in details and Equifax with intentional recklessness refuses to clear the mess it caused in Mr. XXXX Equifax credit report and instead insisted to continue with intentional recklessness to cause more irreparable and imminent damages and losses to Mr. XXXX. Equifax you are going to be sued. End.