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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I am a victim of identity theft. I have sent the correct paperwork per the FCRA to the credit reporting agencies and they are not attaching the paperwork to the disputes to correct my credit report. 

These are the accounts : XXXX XXXX XXXX XXXX I have not gotten any copies of the verification process per the FCRA like Im supposed to.
Consumer complaint received 2020-03-03
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; Experian and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2018-10-18
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: EQUIFAX, INC. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX XXXX  Equifax : XXXX XXXX : XXXX.
Consumer complaint received 2015-04-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (SC)

nation star mortgage ( XXXX ) continues to call my work number ( XXXX ) at all hours of the day. I have told them I have no business with them and that they have the wrong number, yet, they refuse to remove my number as only " the customer can do so ''. They have a call center in the XXXX that cvalls at least XXXX times a day. I feel harrassed. I DO NOT HAVE A LOAN WITH THEM.. why cant they just remove my number? I asked for a supervisor or a manager and he was on break ; was put on hold for over XXXX and nobody ever came back.
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (TX)

Lawful Notice of Dispute TO : CREDENCE RM RE : Account Number : XXXX To Agents or Assigns at : CREDENCE RM I am in receipt of a computer-generated letter from your company dated XX/XX/2023 unsigned, unverified, unvalidated statements alleging some kind of debt. 

It is my policy to pay all legitimate debts, but to also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exists between XXXX XXXX and CREDENCE RM. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g.

Please send me a certified copy of your license to collect a debt in Texas. If you bought this as a debt collections device to make money as a debt collector, thank you for paying off the bill.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, TX XXXX
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX someone deposited a fraud check into my account with the amount Of XXXX the next two days after that they cashed it out of my account I never got a notification about this I tried to use my debit card and it got declined I look into my online bank statement and it was at XXXX they took all the money I had on my account to pay for this fraud that I did not do My job deposited my check into this account and they also took my money XXXX that I still can not touch and my claim has now been denied
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

Several times I have submitted proof of bank statements that the account was paid with debit card. I continue to receive phone calls and when I log into my account it continues to show delinquent. I call QVC and we go through the same process again and again. This problem has been going on for several months already and it is affecting my credit score. They seem not to care.
Consumer complaint received 2024-04-03
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. (AZ)

In XXXX of this year, in accordance with the fair credit reporting act, this creditor has violated my rights under USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (PA)

On XX/XX/2023 I made a transaction on cash app for XXXX to a wrong recipient. I contacted the cash app immediately and followed all directions to receive my money back to no avail. Hence then my money continues to sit in a pending status even after I contacted the customer service and support service several times pertaining this transaction. They still refuse to provide me with an effective solution outside of me contacting the recipient in which I have no way of doing. Im on social security and I believe that they are taking advantage of me and will not give me any recourse to receive my funds back. I really need help with this because I am on a fixed income and can not afford to lose XXXX dollars for a mistake that caused me hardship
Consumer complaint received 2023-01-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ;
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-08-21
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2018-10-18
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. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX.
Consumer complaint received 2024-04-04
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. (CA)

Today on XX/XX/2024 I checked my credit and sawfradulent accounts opened in my name. Please remove these accounts from my report. I neved applied for these accounts nor I used ny of these services listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (TX)

On the date of XX/XX/2023 a claim from an overseas online merchant XXXX had been denied even though the charges were unauthorized by me. Case # XXXX. I then requested Documentation from the bank that shows the evidenced used to come up with the decision to deny my claim. Upon finding out about the fraudulent charges I did change bank card and filed for a stolen card. Now when the bank emailed me back they sent a message stating that the documentation I requested is attached to the email. I opened the attachment extremely astounded when I find out that all they sent me was 1 of the disputed transactions showing in my everyday bank statement. The very transaction I was disputing and sent them. After speaking with an advocate and letting her know this. She was highly confused as well as decided it was necessary to reopen my case. 
On the ninth day right before I would be receiving provisional credit I all of a sudden got an email saying this was denied a 2nd time. So again I ask for the documentation used to come to the conclusion of a denied claim. 
After calling almost everyday for ten days or chatting with support and getting hung up on in my face twice in one day ive had it with them. Extremely rude customer service when I ask for something that they offer and is also my right. I had finally realized there had never been a proper investigation from this company and to prove it an advocate finally confessed that they don't have anything to give me they just made a decision just because. This blew my mind but at the same time gave me a sense of clarity and understanding. It has been given as evidence in both claims per signed statement stating that during the times of the transactions I was on the clock at work. At my job having your phone on the on the job results in immediate termination and possible charges brought against you because we deal with extremely high level and famous people who require extreme privacy when they come. I also gave no one any permission to use or spend money on my cash app because I've never given anyone the information to do so.
Consumer complaint received 2024-04-03
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)

XXXX is reporting that i applied for there credit card on my credit history. 
This is not true I have already told them that I was a victim of identity theft and someone has my wallet with my information. 
I have already informed XXXX but they are still reporting that I applied for there card.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 166XXXX ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 2. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 3. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely yours, XXXX XXXX
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: Experian Information Solutions Inc. (MS)

I recently reviewed my credit report and was deeply troubled to discover several items that are unverifiable, invalidated, and inaccurate. These discrepancies have caused me significant distress.

Furthermore, it's important to note that these inaccuracies have already been removed from other credit bureaus ' reports, highlighting their inaccuracy.

Under the Fair Credit Reporting Act, it's crucial that my credit report is 100 % accurate. However, I've identified violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) due to these inaccuracies. 

I urge your agency to rectify these issues promptly and ensure the accuracy of my credit report. Thank you.
Consumer complaint received 2024-04-03
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 strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (CA)

On XX/XX/XXXX while being held against my will by XXXX XXXX I was forced to transfer all of my money which was on a XXXX card, to my cash app card and then to him ... there were two charges one for {$2500.00} and one for {$2900.00}... I filed fraud with both card companies after I was free and he was in jail. XXXX XXXX rejected my fraud claims multiple times. Cash app just kept saying they were working on it and would let me know when they decided an out come. Fast forward to XX/XX/XXXX I receive an email from cash app saying they granted my fraud refund. They then deposited {$2900.00} on to my cash app card, and said they refunded the other XXXX to my XXXXXXXX XXXX XXXX ending in XXXX ... A card which was closed due to the fraudulent activity XXXX had done... Now cash app is stating the deposit was successfully and XXXX is saying there was no deposit. Each are telling me to call the other... It has already been over a year and a half
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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. (FL)

I am a victim of identity theft and I did not authorize the following inquiry : XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, 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. (FL)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 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 items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances 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.
Consumer complaint received 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.