davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

On XX/XX/2023, we were balancing our XXXX statement and saw a charge that was fraudulent. This charge was for the amount of {$1200.00} as an XXXX withdrawal from XXXX on XX/XX/2023. We immediately advised our bank who advised that they would look into and open up a dispute. 

Mountain America Credit Union advised us that due to their XXXX  rules and policies, they would not be able to refund us the monies as they had a TRACE ID that connected the charge to XXXX and we would need to consult XXXX for the refund of monies. 

We contacted XXXX who advised that the charge did not come from them of which they provided us additional documentation stating such and advised us that we would have to open up case with Mountain America Credit Union. We provided the documentation directly to Mountain America Credit Union and they advised that they would not do anything for us.
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX CALIFORNIA XXXX XXXX Balance : {$1800.00} XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, CA 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. (NV)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$46000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXXXXXX XXXX Balance : {$47.00} XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$47000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$4600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX Balance : {$46000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$4600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
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. (MD)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
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. (FL)

I checked my credit report and found that some of the data were incorrect. The credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these ITEMS ( A ). It is not permitted to report these ITEMS 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 DELETION due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
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. (FL)

This marks my initial attempt to convey that I've fallen victim to identity theft. I raise concerns regarding certain entries in my documents stemming from this crime. These entries I contest bear no relation to any legitimate transactions I've initiated or authorized, involving no acquisition of goods, services, or funds. If overlooked, I request the removal of any significant information in my credit record associated with suspected fraudulent activities or deceit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I just wan na share with you. Also I was an Experian credit account and look at what I deal with!!! look at my Social Security, They have on file which is not mine. Look at all the different names, they have, phone numbers, that are not mine, but the fact that they have a different Social Security on there that does not belong to me is very strange for a known and popular and respected company like Experian how could they have my Social Security number wrong.. on file and look what I deal with until today all this debt that does not belong to me .please help me!! This took a toll on my life and missed me up mentally and emotionally also, I was told to share this number with you from XXXX For XXXX XXXX XXXX XXXX, please call Experian and provide engagement number # XXXX
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

This a continuation letter regarding an existing claim I have much more evidence please return my {$790.00} that your company unlawfully took from me I did not request XXXX why would I ask for XXXX if I never recived. Your response make it clear ur very unaware!!! And also admitting to the error by your company!!! So now let me explain 1. Who? What company? were you making payments too while withdrawing money from my bank account? 2.. So if you have no information regarding XXXX who was and why did you withdraw XXXX from my account? Two times a total of XXXX. Where is my money? So your telling me XXXX sold there company and somebody paid the suppose loan off XXXX and got an extra XXXX. Sold, charged off, paid correct? And now the company XXXX XXXX XXXX. Your criminal friends XXXX sold there company too. They still continue to contact my phone asking for money because chase bank gave the green light to do so by withdrawing money from my account because you got played by you thinking they were legitimate by there fake transactions you guys got fooled. And you took me down with you and used my money and destroyed my credit. ( And also, until this day on my chase account you have another name associated claiming to be me on my chase credit secure score page which is false and leads to fraud ) .. Are you going to tell me Im wrong? My middle name is XXXX ( XXXX ) ok.. Why does chase have me instead ( XXXX ) and states Im associated also as XXXX XXXX XXXX ? Are you going to defend that also? I asked you many times to delete that my middle name is not XXXX ( XXXX  ). And it still there? Also chase are you aware Im apart of the XXXX breach settlement? Yes I was a victim!! Unlike your company they have admitted and addressed there mistake. Im on you and will ease off until you return my funds that you and your partner in crime fake XXXX stole from {$790.00}. Thats why they sold there company because the corruption was starting to backfire.. i know XXXX XXXX is blindsided just how I was blindsided by chase bank
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)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-03
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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2023 I filed a law suit against XXXX XXXX XXXX Bank in the United States District Court For the Middle District Of Florida Jacksonville Division which it's still in dispute and litigation. The Credit Bureau ( XXXX, Transunion, XXXX ) and XXXX XXXX XXXX Bank are reporting negatively on my credit report which is in violation of Federal Law.
Consumer complaint received 2023-06-22
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: Applied Data Finance, LLC (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
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. (TX)

I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.
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. (TX)

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 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
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I urgently request the removal of this inaccurate late payment from my account. I've consistently made timely payments, and this entry is causing me undue stress. Please rectify this error promptly by updating my account.
Consumer complaint received 2017-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

On   XX/XX/XXXX   I noticed on my Experian credit report an old account with  XXXX   XXXX  for an auto lease opened in   XX/XX/XXXX   was still reporting as " currently paying '' when the lease was completed and paid in full on   XX/XX/XXXX  . I called   XXXX   on   XX/XX/XXXX   to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in   XX/XX/XXXX   has passed.  XXXX   XXXX  also, from the  XXXX  dispute, updated this account on Experian. On   XX/XX/XXXX  , I noticed on my Experian report no payment history and it listed I had a recent payment of {$550.00}. I paid and fulfilled my lease and this account was closed 8 years ago, so there could be no recent payment nor any credit history since  XX/XX/XXXX . Any help you can provide with this is greatly appreciated.Thank you.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (MI)

XXXX XXXX XXXX XXXX aka XXXX took a deposit of {$160.00} from me but never returned it and then without ever sending me a final bill, put a charge of {$60.00} on my credit report. I have tried over and over to get this resolved with no luck at all. I filed a complaint with the IURC ( Indiana Utility Regulatory Commission ) and got a call from XXXX XXXX XXXX but same story. They sent my deposit refund to XXXX XXXX XXXX who says they sent on a debit card it to the wrong address and the debit was used in another state. ( Ohio ) So " they '' sent " My '' deposit to some other person and now they say tough luck for me. This is insane. I'm XXXX years old and have never been so outraged or experienced such disregard for people.
Consumer complaint received 2018-11-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NJ)

This issue is with Paypal. I've been letting them handle my finances for years now and I've NEVER had them hold on to funds that was sent to me for more than three days. I was sent a payment on XX/XX/XXXX of 2018 through a free service to send money to friends and family from a trusted company that is Paypal verified in the amount of {$3800.00} ( USD ) and Paypal said the payment was sent via a echeck which takes 3-5 business days to clear. I asked them for a credit until the funds was available and I was denied by a escalation supervisor by the name of XXXX XXXX ext. XXXX. It is now XX/XX/XXXX XXXX EST and my funds are still not available as promised. I called in XXXX times today alone and was assured my money would be available today. I am currently still on hold with Paypal for a fourth time and my wait time is now up to 2 hours and 30 minutes with no resolution. I was informed by the company that sent me the money that the {$3800.00} was taken out of their account over three-four days ago so that tells me that Paypal is holding my funds.
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. (NY)

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX/XXXX  XXXX XXXX/XXXX
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY (MN)

My XXXX dollars is MISSING. I'm getting very frustrated. I transferred it 4 days ago ( XX/XX/XXXX ) from American express bluebird prepaid debit, to an external bank accout that was verified XXXX XXXX XXXX  XXXX XXXX XXXX ) It showed them as pending in my bluebird account and now they show NOWHERE in either account. Blue bird has no way to be contacted its all automated and can't speak to a representative. One transaction was for XXXX and the other for XXXX