davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-14
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. (TN)

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.
Consumer complaint received 2021-03-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/08, I sent a letter about inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Consumer complaint received 2024-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

After years of repeatedly disputing the negative report with Midland Credit Management- I decided to call XXXX XXXX. On XX/XX/2023 I spoke with XXXX to explain the situation. XXXX then transferred me to XXXX of the escalation queue. XXXX was not able to assist- I was then transferred to the Senior Manager XXXX XXXX within the XXXX hours I was told that. The card I initially closed due to a fraudulent charge appeared from a gas station in NY. I have never been to NY. I was given a credit on the account and I closed it because I realized I didn't use that card. XXXX XXXX never sent any communications, statements, or collection attempts nor did they call. In the 8 months they claim the card was reopened accidentally. It wasn't until I received a statement saying I owed {$40.00} for an annual fee that I was made aware the account had not been closed as I requested that XXXX. I could not contact the company via phone, the phone matrix would loop never giving me a chance to speak with a live person. I then called the new account line. Where I spoke with a representative that credited the {$40.00} and close the account. The statement I received had no transactions just a {$40.00} annual fee charge. in XXXX I began receiving notices from Midland Credit Managment 2 months later stating I owed {$420.00} dollars. the amount continued to change each time I disputed the debt. Midland Credit Managemet began to produce fradulent evidence of the debt each time I disputed because I noticed the account number was different from the account number on the statement I was sent. When I advised XXXX XXXX never reported the debt on my credit report- Midland Credit Managment went and retro reported negative credit activity. In speaking with XXXX XXXX XXXX advised that the credit card had been reopened by mistake and someone had made about {$400.00} in purchases. I asked what are the purchases we could use that to prove I didn't not make the purchases in addition to requested documentation of the attempts/calls XXXX XXXX made to me to collect the debt. XXXX transferred me to XXXX a Senior Manager who told me they didn't have any records of my account or those transactions. So then the inconsistent statements provided by Midland Credit Management are indeed fraudulent. I have the last statement sent to me from XXXX XXXX that states I did not have any transactions.
Consumer complaint received 2023-12-14
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. (LA)

I received a copy of my credit report and found the following items to be reported in error. Upon doing a thorough research on my reports I found improper inaccuracies on the reports even after they did the thorough verification. By the provision of the fair credit reporting act I demand these items be investigated and removed from my credit report it is my understanding that you will reverify these accounts with the creditor that posted them. Please remove any information that the creditor can not verify I understand that under 15 U.S.C section 1681 ( i ) a you must complete this reinvestigation within 30 days of the receipt of this letter. ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Accordance with the Fair Credit Reporting act XXXXXXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXXXXXX In Accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
ACCT NAME : XXXX XXXX XXXX XXXX XXXX XXXX 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. 
ACCT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) -ACCT # XXXX In Accordance with the Fair Credit Reporting act XXXXt Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. The accounts listed above have multiple inaccuracies that must be verified items such as Account type, account status, date opened etc are reporting dates and amounts incorrectly between the bureaus. Consumer reporting agencies shall not furnish incorrect information unverified from creditor these accounts must be deleted this is defamation to my character I have attached a snippet of the report and highlighted the many inaccuracies on the accounts listed above. Please Assist thank you.
Consumer complaint received 2023-12-14
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. (TN)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2023-12-14
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)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2023-12-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I initiated a wire transfer from my XXXX XXXX XXXX  XXXX. personal checking account for {$25000.00} on XX/XX/2023. Later that afternoon, I received a call from XXXX XXXX customer support to verify that I had originated the transfer ( e.g. that it was not fraudulently initiated ). I confirmed these details over the phone, and this customer support agent informed me she had processed the transfer. By XX/XX/2023 ( three business days later ), the wire transfer was not showing in the destination account. I am submitting this complaint on XX/XX/2023, since the funds are still not available in my Chase business checking account. Chase informed me that XXXX XXXX had not successfully released the funds, but XXXX XXXX informed me otherwise.
Consumer complaint received 2018-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Consumer complaint received 2023-12-14
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. (PA)

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 XXXXXXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-14
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. (KS)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I made a transfer of {$25000.00} at the REGIONS BANK I AUTHORIZE XXXX XXXX at bank number XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Tn XXXX and transferred to the XXXX XXXXXXXX XXXX bank located at XXXX XXXX XXXX XXXX Fl XXXX to the XXXX XXXX account account number XXXX For an education course of XXXX XXXX XXXX XXXX for a contract that they did not fulfill and that the FTC sued against XXXX which is the name of the company of the course and that the FTC won demonstrating that fraud had been made and that in XX/XX/2023 when the lawsuit was won he recommended us to go to our BANKS REGIONS BANK to explain the situation and that we take the evidence in hand so that they would reimburse our money and WHEN I SPOKE TO THE CUSTOMER SERVICE of REGIONS BANK he recommended us to go to the nearest branch and as I moved TO XXXX I went to 3 branches of XXXX FLORIDA I put in more than XXXX disputes and they denied them to me, I talked to the customer service and they told me that I had to go to the physical branch and no one helped me and a branch of REGIONS BANK did not ask me for the proofs nothing that is to say they did not listen to me On one occasion an operator of the XXXX  area customer service even treated me badly. I told them that I had all the evidence in hand that it had been a fraud that came out in the media where the FTC sued WINNERS for fraud and the REGIONS BANK bank did not help me and in fact since I had nothing in the account for the money that I did not have, the account statements began to come out with a negative balance and I had to pay the commission and I had to close it because I did not have to pay that money and that's it I didn't have anything in the REGIONS BANK bank. I told them that they have insurance for this type of fraud situation and they didn't help me I RAN OUT OF MONEY AND I THOUGHT THAT THE BANKS REGIONS BANK WOULD HELP ME WITH THE REAL TESTS AND WOULD DO THEIR OWN RELEVANT INVESTIGATION AND IT WASN'T LIKE THAT Excuse me if any word is somewhat confusing I speak XXXX and I translated this with artificial intelligence
Consumer complaint received 2023-12-14
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. (AZ)

I am writing to express my deep frustration and dissatisfaction with the many unsuccessful attempts to remove fraudulent items from my credit file. Despite my persistent efforts and cooperation, the fraudulent entries persist on my credit report, causing significant distress and adversely impacting my financial standing. 

I have previously submitted identity theft affidavits, police reports, and supporting documentation in my attempts to rectify these inaccuracies. Regrettably, it appears that the necessary actions were not taken to ensure the timely and accurate removal of the fraudulent items. 

The continued presence of these inaccuracies is not only affecting my creditworthiness but is also causing significant challenges in securing credit, obtaining favorable interest rates, and managing my overall financial well-being. 

I urgently request an immediate and thorough reinvestigation into this matter to expedite the removal of the fraudulent items from my credit report. I expect a detailed response within the exact timeframe acknowledging the receipt of this complaint and outlining the steps that will be taken to address and rectify the fraudulent items promptly. 

Failure to resolve this matter in a timely and satisfactory manner may compel me to escalate my complaint to regulatory authorities and seek legal recourse to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit 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 XXXX XXXX XXXX XXXX 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 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2021-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I reached out several times to credit bureaus and the companies to resolve the issues. After all the letters and calls they refuse to honor my demands.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I called experian to report unauthorized inquiries and agent mentioned I should add fraud alert on my credit report. But agent did not mention it will show up on my credit report and I will be also removed from pre approved mailing offers etc. Now because of experian fraud alert there is a fraud alert and statement on my experian and other credit bureaus as experian also sent request to other credit agencies. I have contacted XXXX 3 times by submitting request in writing 3 times and also uploaded form that I don't want fraud alert on my credit reports and I want it to be removed immediately. One of the successful request to experian was submitted on XX/XX/2023. It seems fraud alert is being added again and again without my authorization. It seems experian computer systems are automatically adding fraud alert despite me requesting to remove from all bureaus. Kindly check your records as I have asked you multiple time by uploading form online and also uploading my identity card and utility bill to remove this alert for once and all. But you have removed and than added again. 
Kindly remove it immediately. I am tired of writing and submitting my documents again and again to you guys. Supporting documents attached below and confirmation of fraud alert from you guys is attached below as well.
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

Filed a complaint # XXXX regarding having no knowledge that I had a judgement against me. Their response was a typed up list of events with an old invoice of a charged off loan that has passed the statue of limitations here in XXXX. The company did not provide proof that I had been served or a bill of sale where they had acquired my charged off loan witch violates FDCPA law. I request that all collection efforts stop and that the judgment against me be removed.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (PA)

I have a spend checking account with Credit Karma throught XXXX XXXX. They frozen my accounts for 5 days now. I've tried everything to get them to unfreeze it but they've given me the run around. I've seen multiple stories about the Credit Karma app closing accounts unexpectedly. Thousands of people are out of money.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

I have two XXXX cards being reported on my credit report. The account numbers used by the credit bureau are not the same as the account numbers on my XXXX  cards or statements. Am in the process of financing a mortgage but can not make the accounts sync because of the way the credit bureau is reporting them. They are using different account numbers. The account numbers they are using are not the same as account numbers on statements
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items delete it from my credit report effective immediately. I am attaching prove the XXXX has admitted that I was in fact, a victim of the data breach, and XXXX has done nothing. Please help me delete these illegal accounts from my credit report. 

List all those negative accounts from your XXXX credit report account names and account numbers and file account complaint with CFPB Attached proof that you got Will respond back to stated they deleted everything
Consumer complaint received 2023-12-14
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.