davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to the FCRA, credit reporting agencies are required to complete investigations within 30 days of receiving a dispute. However, it has come to my attention that your bureau is requesting an additional 60 days for resolution. This extended timeframe is not in compliance with the statutory requirements and is causing me significant distress. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. As a victim of fraudulent activities, I expected prompt and accurate resolution of my dispute to prevent any further damage to my credit history. The FCRA clearly stipulates a XXXX timeframe for investigations, and I fail to understand why your bureau has chosen to exceed this limit without providing a valid explanation for the delay. 

XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX .... - PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX PLEASE DELETE!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

I kindly request that your bureau promptly review and rectify this situation, ensuring that the investigation is completed within the legally mandated 30 days. Furthermore, I insist that any fraudulent accounts refrain from reporting until a conclusive resolution is reached, as this delay is beyond the acceptable limits set forth by the FCRA.
Consumer complaint received 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: M&T BANK CORPORATION (MD)

In XX/XX/XXXX I accepted a promotional offer from MNT Bank stating I would pay XXXX interest on any balance I transferred before XX/XX/XXXX. I proceeded to transfer about {$2600.00} to my credit card under this promotion. When I attempted to pay off the interest-bearing portion the bank stated they could not, separate or identify that dollar amount and I would still pay interest on any remaining balance which includes what I transferred. I believe not only was this misleading, but I am also not receiving the promised promotion of XXXX interest until XX/XX/XXXX. My ultimate concern is that this practice is done for everyone who accepts a balance, transfer promotion, ultimately deceiving credit card holders by charging interest on the balance transfer. I also believe that I should not be penalized for paying off my interest-bearing portion before I pay off my promotion.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been fighting with this company for a year trying to resolve this matter, Last I have sent a letter and email to the CEO of the company to resolve this issue! 


Its a big clear mistake thats a violation of the law : 15 Us Code 1666b Timing of Payments I will include in my proof in my images below! This is a big violation and against the law this is not fare at all for them to continue to do this just because they are big company and im just one person I Can not get this resolve and I have 100 % CLEAR proof of the company 's big mistake but they wont resolve it and update my account as paid on time! And remove the inaccurate remark of my auto being late as I have never been late on anything in my life with none of my accounts!
Consumer complaint received 2024-04-29
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2023-04-13
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. (GA)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to emphasize that I am not the account holder associated with the aforementioned creditor, and I believe this to be a case of mistaken identity. It is distressing to learn that my credit report has been inaccurately linked to an account that I have no knowledge of, and I fear that this misidentification has occurred due to the wrongful association of the theft victim with the alleged thief. I am a victim of identity theft, and I have taken immediate steps to dispute this account with the creditor in question. They have acknowledged the fraudulent nature of the account and are working to rectify the situation. However, I am adamant that there has been a misunderstanding, as I have no knowledge of the account in question, and it appears that my identity has been wrongfully associated with fraudulent activity. 
XXXXXXXX XXXX XXXX XXXXXXXX - FRAUD, PLEASE DELETE!!! 
I insist on a thorough reexamination of the verification process, as I am confident that an error has occurred. It is crucial for the accuracy and integrity of my credit report that this wrongfully verified fraudulent account be removed promptly. I request that you conduct a diligent investigation into this matter and, upon verification of the inaccuracies in the reporting, proceed with the immediate removal of the wrongfully verified fraudulent account from my credit report. I also expect regular updates on the progress of the investigation within the time frame stipulated by the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-01-04
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. (NJ)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

I'm submitting this complaint once more to notify the credit bureau about my status as an Identity Theft victim. It appears that the credit bureau is disregarding my request to challenge unauthorized entries on my credit report. Given that this constitutes a clear violation of FCRA regulations, it is imperative that these items be promptly removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$30000.00} XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-01-04
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}
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. (MI)

It appears that my 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 & block 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 block/remove these 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 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 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

During XXXX, I was literally XXXX XXXX XXXX XXXX. Wells Fargo was advised of this XXXX times. But for some reason, they closed XXXX credit card ( leaving a XXXX XXXX open ) they closed it, charging it off and wrecking my credit. 

I provided medical information, hospital information, etc and they refused to correct this error. 

I am still working to have this removed and they just don't care. I have been a bank client since XXXX 

I would like to join the XXXX XXXX XXXX against Wells Fargo, for mistreating customers.
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klarna AB (FL)

Dear Consumer Financial Protection, I am filling this complaint against Monthly Financing Company, Klarna and Debt Collector, XXXX XXXX XXXX for violating The Fair Credit Reporting Act, 15 U.S.C. 1681. In XX/XX/year>2022, I purchased a clothing item totaling {$220.00} from XXXX through Klarna. A month after, I contacted XXXX via telephone and requested information on the process to mail back the clothing item I purchased. I returned the item via mail and received a refund via store credit. My Klarna account was never properly updated or adjusted to the item being refunded. My debt card was still being processed through Klarna for months for an item that was not in my possession and retuned to the store. Months later, Klarna sold my account to a debt collector, XXXX XXXX XXXX for a debt that is non-existence or that was never in placed. I have attempted to resolve this matter with Klarna via telephone by contacting the Customer Service Department by the Klarna app and via email. I have been advised multiple times to to contact XXXX XXXX XXXX and pay off the debt to update my Klarna account. I am demanding for Klarna to be reported and shut down for violating the law and for fraudulent selling an account to a debt collector with no debt in place.
Consumer complaint received 2023-08-08
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Consumer complaint received 2019-02-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

XXXX XXXX XXXX XXXX calls me at least 5 days a week. XXXX called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.
Consumer complaint received 2024-08-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (FL)

XXXX XXXX XXXX ( XXXX minutes ago ) to me Thank you for providing the contract between you and XXXX XXXX XXXX XXXX XXXX Now please provide the contractual agreement between you and I stating that I owe you money. Also, as previously requested, please provide Licensure in the state of florida that predates XX/XX/XXXX. 

According to XXXX XXXX XXXX Hunter Warfield , INC is not licensed in the state of florida which makes it illegal to collect debt in the state of florida which is where I reside as well as where the company is located. If you believe other wise please provide proof that you are licensed and are able to legally collect debt in the state of florida. 

Hunter Warfield claims that a collection letter was sent out on XX/XX/XXXX ; please provide proof that the letter was sent as well as received by me. 

Unauthorized Furnishing of Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Hunter Warfield , inc has furnished information about the alleged debt to consumer reporting agencies without providing me with any and all disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) Were these disclosures sent as well? If so please provide proof that the disclosures were sent as well as received. 

You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. Delete this account immediately.
Consumer complaint received 2021-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M HAVING ISSUES GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT THAT IS AN ERROR
Consumer complaint received 2024-01-04
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. (MD)

I disputed a negative account on my trans union credit report XX/XX/2023 and have made multiple attempts to both credit karma and trans union directly over the past year to no avail. According to credit karma this dispute is till in progress\under investigation with an estimated completion date of XX/XX/2023 yet that date has long ago come and past with no updates. The dispute file number for this is XXXX and the remedy for this complaint is the immediate deletion of this account and all associated information related to it removed from my credit reports. The account holder is XXXX XXXX XXXX and is still reporting with a year long dispute in progress.
Consumer complaint received 2024-05-17
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-04
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. (CA)

I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet
Consumer complaint received 2024-01-04
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2023-04-13
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. (GA)

This is my 5th 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 alleged fraud or extortion. 
XXXX XXXX Balance : {$1700.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2019-10-30
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: Experian Information Solutions Inc. (LA)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX  XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/year> For the largest American bank, their website, chase.com for credit card, makes payments almost virtually impossible. The website pushes you towards making an autopayment using one 's bank account but not a onetime payment of any dollar value. When reached Chase 's customer service, they had no clue and asked me to get in touch with Chase website tech service. I would have thought, the bank would make their website intuitive, easy to navigate, and convenient for customers to make payments to them. Instead of pushing customers to make autopayment, I would think Chase would have welcome a onetime payment of any dollar value and not push customer to link their bank account to pay automatically.

Chase can learn a lesson or two from XXXX XXXX. It is a breeze to make a payment on their websiteXXXX XXXX