davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-24
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: DISCOVER BANK (CA)

My name is XXXX XXXX, and my current Discover card account number is XXXX XXXX XXXX XXXX. I have experienced unauthorized and fraudulent activities on my account, and I am seeking your assistance in investigating and resolving this issue. 
The unauthorized transactions in question occurred as follows : 1. On XX/XX/XXXX, an amount of {$2500.00} was charged to my Discover card ending in XXXX. 
2. On XX/XX/XXXX, another unauthorized transaction amounting to {$2900.00} took place. 
3. On XX/XX/XXXX, a third unauthorized transaction occurred, totaling {$2200.00}. 
I wish to emphasize that these transactions were conducted without my authorization or knowledge. I have not shared my card details or approved any such transactions. It appears that my identity was compromised, and the fraudulent activities were carried out by an unauthorized individual. 
In addition, I suspect that the One-Time Password ( OTP ) codes required for approval of these transactions were sent to a phone number other than mine, specifically to ( XXXX ) XXXX which I havent been using for a long time. I do not utilize this phone number for any financial transactions, and I believe that my phone number might have been compromised in the process. It is my concern that the perpetrator may have exploited this situation to create fake XXXX accounts and subsequently misuse them for fraudulent purposes. 
My daughter was always managing my payments so I wasnt aware that my cards were fraudulently swiped by someone.
Consumer complaint received 2023-12-15
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Resolution Needed : FCRA Violations in My Credit Report Dear Transunion, I hope this message reaches you well. I am writing urgently to address discrepancies discovered in my credit report that may potentially violate the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit profile, several errors have emerged, raising concerns about FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a critical federal statute governing the collection and reporting of consumer credit information. It emphasizes precise data handling, retention, and transparent dissemination. 

Instances of FCRA violations identified include : Inaccurate financial data provided by creditors to reporting agencies. 
Reporting agencies consolidating individuals ' information based on names or social security number similarities. 
Neglect of prescribed protocols by agencies for managing disputes. 
As per the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially concerning employment-related matters. 
Receive notification if my information has been used in credit applications or other transactions. 
Dispute and request the correction of incomplete, erroneous, or unverifiable data. 
Have outdated negative information removed following FCRA guidelines. 
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency. 
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - This address is not correct. Delete it immediately from my report. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation. 

3. XXXX XXXX XXXX XXXX XXXX XXXX I was never late on this account. Please remove those late payments. 

4. XXXX XXXX XXXX XXXX XXXX XXXX  Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. 

5. XXXX XXXX XXXX XXXX XXXX XXXX  I was never late on this account. Please remove those late payments. 



I trust in your prompt attention to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will regrettably necessitate legal action to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-02
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

On XX/XX/2023. I received a notification via the XXXX app stating that my credit report was obtained. 

I did not give these companies the authorization to run my credit. 

These inquiries are going to have a HUGE NEGATIVE impact on my credit score.

I need these companies to tell me why they ran hard inquiries on my credit. 

Who gave you the authorization to run my credit?
Consumer complaint received 2018-11-27
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. (GA)

I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2023-12-12
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. (AL)

A debt collector who I already have an open CFPB case open against sent my account to the credit reporting agencies. I disputed the debt with transunion in this case as multiple laws were broken in reporting this debt and most importantly I dont owe it. Transunion did not do a proper investigation, I mean how can they, their dispute form gives you less characters then a tweet to submit your dispute statement. My entire dispute is, a scam company sent a fake debt to a debt collector, with a made up balance sheet. The amount in the balance sheet and the amount in the original contract are wildly different amounts. The debt collector is then illegally trying to charge interest on a debt that cant be charged interest. On top of that I asked the debt collector to verify the debt and they failed to properly do so. The original name and address of the creditor was never provided. And while still under dispute the debt collector sent it to the CRA. Transunion should have immediately removed this but refused to do so.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The information you see below is my most up-to-date personal information per the FCRA and Metro 2 compliance reporting standards ; if what you have on file for me doesn't match what's listed then there are problems with either your records or those who provide them for verification purposes because these two sets of rules must be followed precisely in order maintain accuracy when dealing with transactions like mine ( and others ). Therefore, please remove all personal information on file that does not match what I listed above. Furthermore, I want you to confirm the data you have on file. I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance criteria. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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)

On or around XXXX XX/XX/XXXX TransUnion returned the results of an investigation regarding the payment history and account status for a XXXX XXXX in my credit file. In my original dispute I pointed out the inchoate nature of the alleged payment history, alleged charge-off, and alleged Date of First Delinquency. The results of the investigation provided a new set of payment history, charge-off status, and date of first delinquency that is different, but equally inchoate. I filed CFPB complaint XXXX with TransUnion and CFPB complaint XXXX with XXXX on or around XXXX XX/XX/XXXX. I have disputed with XXXX directly regarding the issue on XXXX Nov 2023, 22 XX/XX/XXXX. TransUnion conduted a reinvestigation and generated results on or around XXXX XX/XX/XXXX. XXXX last conducted a reinvestigation and delivered the results on or around XXXX XX/XX/XXXX. Both XXXX and TransUnion now report the same inchoate payment history, inchoate charge-off remarks, inchoate charge-off status, and inchoate date of first delinquency. XXXX claims they are not responsible in their XXXX XX/XX/XXXX response to CFPB complaint XXXX, " Please understand that XXXX is responsible for providing this information to the credit reporting agencies ; however, the credit reporting agencies have their own policy for reporting the information that is displayed. '' On or around XXXX XX/XX/XXXX XXXX responded o CFPB complaint XXXX, alleged payment history that neither matches the history as reported by XXXX nor XXXX payment history reported by TransUnion. With XXXX and TransUnion having both conducted an investigation that provided a set of rsults, and at least XXXX ( XXXX ) renvestigation from each that provided verbaitim incorrect results, and a different set of results than that of the prior investigation, XXXX and TransUnion know or have reasonable cause to believe the information is false/misleading/inaccurate. It is patently erroneous and does not meet the maximum possible accuracy standard under XXXX XXXX XXXX. At this point the investigation and re ( investigation ) process has demonstrated an inability to generate accurate information for the account/tradeline. Thus I am now asking for relief that removes the payment history for all months in XXXX and XXXX and that XXXX be blocked from providing any additional information for the account/tradeline.
Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I understand that according to FCRA 605B, it's vital to remove any inaccurate accounts from my credit report. Could you please review the documents? I've noticed that many of the listed accounts seem to be incorrect, and this is concerning to me.
Consumer complaint received 2024-04-18
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)

Today, I'm complaining to notify you that I've been subjected to identity theft. After researching how to address the fraudulent entries on my report, I discovered the necessity of visiting the FEDERAL TRADE COMMISSION to file a report. According to FCRA section 605b, Credit Reporting Agencies are obligated to remove any items listed in an identity theft report. Attached are the documents to aid in blocking the inaccurate information that has been appearing in my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX  Balance Owed : {$110.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$430.00} XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-27
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: The Receivable Management Services LLC (OH)

Receivable Management Services International XXXX XXXX XXXX, XXXX, PA XXXX This company is reporting a {$280.00} debit on my credit report. Twice. Same company information, same debit information BUT THEY CHANGED THE AMOUNT TO {$280.00}. so it is on my report twice.
Consumer complaint received 2023-06-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Inaccurate reporting to credit bureau. Everything must report accurately this way is grounds for deletion I paid car off and they added another late payment I owe nothing on car
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a foreign national, and my identity has been stolen. My consulate advised me to visit the FTC website. I am not proficient in English, but I am providing the necessary information. Can you assist me? These accounts do not belong to me ; someone has used my information. Could you please remove them? Here are the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I had met a woman online, we started chatting and we built what I considered to be an honest connection. After a while I had sent her some money, after I did she cut all ties with me and stopped all forms of communication. 
I had made a few transactions through my XXXX XXXX XXXX XXXX  account ( wire transfer ) and after that she had cut all ties and stopped answering my emails.
Consumer complaint received 2024-04-18
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 am writing to express my deep frustration with the ongoing presence of fraudulent items on my credit report, despite many attempts, I would like to follow up to have them removed. This persistent issue severely affects my financial standing and undermines my credibility as a consumer. 

Despite providing thorough documentation and evidence proving the fraudulent nature of these items, they continue to tarnish my credit history. 

It is crucial that immediate action is taken to rectify this matter. I expect a comprehensive investigation into why these fraudulent items persist on my credit report despite repeated requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NETWORK CAPITAL FUNDING CORP (CA)

My mortgage was purchased by Network Capital at the end of XXXX. In XXXX XXXX  I was informed that I was late on my mortgage payments, I had automated payments set up and didn't understand how this could be. I spoke with Network Capital to understand the issue, and they let me know that my payment had increased in the short time I had been with them. I informed Network Capital that I was not made aware of this change and would have adjusted my payments if I had. Network said that I would be able to see this from my portal. I let Network Capital know that I never could get access into the portal and Network Capital said that this is an issue others were having in my situation, XXXX XXXX XXXX 's customers that were now Network Capital customers. We eventually got portal access and then attempted to get setup with automated recurring payments through Network Capital now to avoid issues with payments increasing in the future. In XX/XX/XXXXXXXX  I reached out to Network Capital to get the credit deletion letter since my credit has been effected by Network Capitals errors. I also reached out directly to XXXX XXXX to file a dispute to repair my credit. Network Capital denied my dispute. I have since setup recurring payments multiple times in the last several months, however it wouldn't stick even though I have emails confirming the recurring payments had been set. I have more late fees because of the recurring payments failing and have had multiple calls with Network Capital to get this late fee wave that is causing me to show delinquency in my payments continuing, which continues to affect my credit negatively. I have had at least 2-3 calls on average to Network Capital each month this year. I have spoken to Network Capital supervisors ( XXXX, XXXX, and XXXX ) requiring that I get a call/voicemail within a week of our conversations to confirm that payment is received, I have never gotten a call/voicemail back. After talking with each Network Capital Supervisor I never hear back from the same person again. I had my most recent call on XXXX  and demanded that I speak with a Network Capital employee that is above the Supervisors I have spoken with, XXXX is the Manager that was not available to take my call and would call me back within XXXX hours of the XXXX PST call. I need all late charges waves, the recurring payments through Network Capital to stick, and for my credit to be repaired. This has frozen my HELOC with XXXXXXXX XXXX and caused me to spend hours during work hours. The current issue with Network Capital is task # XXXX.
Consumer complaint received 2023-07-01
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. (NM)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

On XX/XX/2023, I filed a dispute with Cash App regarding a transaction amount of {$500.00} in my checking account. In the dispute, I requested a refund and claimed that the merchant used the transaction to take financial advantage of me and subject me to fraudulent business practices, resulting in me not receiving any benefit. Cash App denied my dispute and I requested the documents Cash App used to make its denial determination. Cash App only sent me a basic summary of the transaction but nothing from the merchant.

Cash App has disregarded my notices and is being unfair in its dispute procedure. Cash App 's reason for denying my dispute is insufficient and I am unreasonably being subject to a financial disadvantage.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please Help me delete these illegal accounts from my Equifax credit reports.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are unauthorized accounts in my credit profile. I am no human there is no 3rd party involved. I have reported to CFPB, XXXX, and Texas Attorney General about his manner. I need it removed as soon as possible. I have attached provided documents.