davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-15
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)

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

XXXX XXXX Charge-off {$5700.00} XXXX XXXX XXXX XXXX Charge-off {$4400.00} XXXX XXXX  XXXX XXXX Charge-off {$6700.00} XXXX XXXX XXXX XXXX Charge-off {$460.00} However , they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Crdeit Report! 

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of these fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-01
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. (RI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEM INCXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Re : Acct # XXXX This complaint is regarding account # XXXX with Transworld System Inc , which claims that I owe {$1800.00}, and account has been closed and charged off on XXXX. The company reported inaccuracies of the unknown condition in my credit file. Please terminate collection efforts on the debt and request the credit bureaus delete the tradeline for those inaccuracies per 15 USC 1681 ( a ). 
This is also formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from this company or any company that they represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if they can not validate the debt, they must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that they submit, they are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against the company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). They are also in violation of the Privacy Act of 1974. Per FCRA, I am Federally a consumer and I am OPTING OUT of all authorizations, I the consumer have given them written, unwritten, verbal, nonverbal according to 15 USC 6802. My request is that the credit reporting bureaus remove from my credit file immediately. 
Please Note : This notice is an attempt to correct the records, and any information received from them will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX disputes I owe a payment of XXXX. I changed carriers because their rates increased ridiculously before my next payment was processed. I was paying {$240.00} a month. XXXX XXXX premiums increased in my account per the company due to a change in the premium rating system used by XXXX XXXX. I talked to several reps who told me I did not owe the monthly payment ; I had already switched carriers. My insurance company also responded with a fax showing my new due date and payment. I called and spoke to several reps. who agreed my car was not insured under their company and the new payment from the old company covered my car for that month. Then, I started getting letters for demand of payment. When I was purchasing my home in 2019, I had to write a letter of dispute so that I could get financed. I am a single mom who has gone back to school, purchased a home, and has a better job. I am keeping my credit on track. This creditor is ruining my credit by selling off this false debt to different Collection Agencies. PLEASE HELP!
Consumer complaint received 2023-12-15
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. (OH)

XXXX XXXX has violated multiple USC 's and CFRS 's : 15 USC 6802-6805. I was never given the opportunity to opt out of reporting my information.

15 USC 1681 Permissible purposes of the consumer report. I have not given written instructions to produce a report on my behalf.

15 USC 6801 Protection of Nonpublic Personal Information. My personal information being furnished has caused me damages and defamation of character.

16 CFR 313.4 Initial privacy notice to consumers required.

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
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. (NJ)

The above account does not belong to me I am a victim of identity thief Under 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 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELY XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

my account was charged {$230.00} unauthorized at XXXX i was in my city working that day and i was nowhere near anywhere to take a flight. i reported the charge and chime credited me the amount. The names on the flights are not mine! i got a response from chime AGAIN saying they found no error and will be reversing any charges. i have my deposits coming in and this will YET AGAIN take money from my pockets. i will file a lawsuit against chime or take them to smalls claim court for a bigger amount of money. i refuse to be a victim of fraud.
Consumer complaint received 2024-03-29
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: SYNCHRONY FINANCIAL (NY)

On XX/XX/XXXX I logged into my XXXX XXXX  account and started looking through my credit reports from the different sources. Both XXXX and XXXX, just to discover unverified and unauthorized inquiries on my credit report. I called the customer service number for both providers trying to get information on where that bank is located and the subject of which caused the inquiry. The only 2 inquires I recognize is from the XXXX XXXX XXXX ( XX/XX/XXXX ) AND SYNCHRONY BANK ( XX/XX/XXXX ) used for my care credit account. Please take action on this fraudulent matter because every other inquiry on this account was and is a hundred percent unauthorized.
Consumer complaint received 2023-12-15
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. (NJ)

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall. free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (AZ)

Subject : Dispute of Charges from " XXXX '' and " XXXX '' on Account [ chase business credit card ) Dear consumer finance I am writing to formally dispute several charges appearing on my credit card statements over the past two years. These charges are attributed to " XXXX '' and " XXXX ( previous name they use and chargers dating back XXXX ), '' and I believe they were made fraudulently or under deceptive practices. 


Upon reviewing my statements, I have noticed multiple charges labeled as " XXXX '' and " XXXX '' for significant amounts, purportedly for online purchases. However, I have not received any products or services corresponding to these charges. It is evident that these transactions were made through an intermediary, " XXXX, '' which processed the payments, but the ultimate vendors or service providers failed to deliver as promised and i believe they are aware of the fraud, sadly has been over the the credit card period to dispute this fraud, also my credit card number got changed because i was victim of fraud but it is the same account before was XXXX now is XXXX last 4 I want to emphasize that I have diligently followed up with the companies involved in these transactions, but to no avail. Despite my attempts, I have been unable to resolve the matter directly with them. This situation has caused undue stress and inconvenience, not to mention the financial burden of paying for goods and services that were never received. 

I am requesting your assistance in investigating these charges and facilitating their removal from my account. Given the circumstances surrounding these transactions, I firmly believe they are unauthorized or fraudulent. I have enclosed copies of the relevant statements highlighting the disputed charges for your reference. 

Furthermore, I kindly request that you review the payment history associated with " XXXX '' and " XXXX  '' on my account for the past two-three years to identify any additional questionable transactions. Any support you can provide in rectifying this matter and preventing future occurrences would be greatly appreciated. 

Please inform me of the steps required to initiate the dispute process formally and any further documentation or information you may need from my end to expedite the resolution. I look forward to your prompt attention to this matter and a favorable outcome. 

Thank you for your understanding and cooperation.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

BofA closed my business checking account without any explanation. 
I was told that it was a decision made by BofA to terminate the business relationship. 
I asked to talk to a supervisor but was not transferred to anyone and left in the XXXX XXXX. 

I demanded to get the money at a local branch but they told me that there is no guarantee that I would get it. They said the money will be mailed to address on record and no further information was shared.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Ive been complaining to thiscompany Ive been disputing I cant get through. They dont have a phone number. They wont respond. They wont communicate with me. I am not late. I pay this balance up. They are purposely messing up my credit report. Please look at this receipt and update my file. This is ridiculous. I am on time.
Consumer complaint received 2024-03-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (PA)

They have called me numorous times over the last XXXX weeks. Asking for my by name. When i ask who is calling they refused to give me information until i gave them a yes or no answer as to who i was speaking too. I refused and hung up. I got an additional call a few days later i had googled the phone number and found that it belonged to a collection agency. When i asked if they were a collection agency they refused to confirm and insisted that they could not give me information until i confirmed what my name is again i declined. I got another call today XX/XX/XXXX. I was greeted with a message that said the call was being recordered. Someone came on the line and said can i speak to ( my name ) i replied speaking. They then told me that they were calling from Radius Global solutions and were attempting to collect a debt that i owed to XXXX XXXX in the amout of {$150.00}. I replied no i don't. ( I checked my credit report when these calls began i knew i had no outstanding debts ) she then said you live in deleware. I said no i don't ( never have ) you were born in XXXX no i was not. Ok thank you we will remove you from our list.
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. (IL)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (TX)

I received a card in the mail from XXXX. 
It never applied for the card. 
I called the company and asked the account to be closed, yet they did not talk to be about it. They said they will only speak to the account owner! Which is probably the hacker who stole my ID.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute certain records in my credit file that do not belong to me, or that I have signed any agreement. The things I'm opposing have nothing to do with any transactions I've carried out or approved in order to obtain goods, services, or money. Please take out the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-15
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. (IL)

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.