davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2023-07-20
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. (PA)

I have filed numerous disputes concerning these accounts, which do not belong to me, yet they continue to appear on my credit report. Additionally, I've submitted several FTC Reports regarding these erroneous accounts. Surprisingly, these companies have chosen to ignore their legal obligation to investigate the disputes, refusing to take appropriate action.
Consumer complaint received 2015-12-11
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (TX)

On XXXX XXXX, 2015, I refinanced my house in order to get the mortgage in my name and out of my deceased father 's name. My mortgage was with Nationstar Mortgage LLC at the time I refinanced with another mortgage company. At closing, I was told that I would probably receive a refund. I received a refund this week but can not cash the check ( {$140.00} ) because it was issued to the ESTATE XXXX. I have called Nationstar yesterday and today to inform them that my father 's estate did not pay off this loan, I did and my name should be on the check. So far I have not resolved this matter and am very upset with the way I have been treated my Nationstar Mortgage LLC. I have demanded that they reissue the check in my name.
Consumer complaint received 2023-08-20
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)

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed with XXXX  multiple times to get the closed account removed due to XXXX violating XXXX XXXX COMPLIANCE I have paid the balance and asked for deletion but XXXX  refuses to delete the closed account
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

RE : LATE PAYMENT To whom who may concern, I recently looked at my credit and noticed that some account have late payments during COVID-19. however I talked to these creditor and I should not have missed payment.

Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it. I dispute the fairness of the late payments being reported on ALL MY account LISTED BELOW. These late payments are the fault OF THE CREDITORS that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, DURING THE PANDEMIC OF XXXX I have had no choice but to make payment after the due date. For this reason, there are numerous late pays associated with this account, and that is no fault of mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me an updated copy of my credit report once the above statement has been added.
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. (TN)

The Family Educational Rights & Privacy Act is a federal law that protects the privacy of student records. FERPA applies to all levels of education and there should be NO reporting on my consumer report. 

I tried to verify that I have an active account with this company and I found no account even when entering my social & date of birth. All basic information they should have if I had a valid account with them meaning this information has been released without consent.
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (GA)

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 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 2018-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RGS Financial, Inc. (VA)

RGS is reporting a debt in the amount of {$1200.00} that I do not owe with XXXX XXXX. They have reaged this acct on my credit multiple times. In addition. I have NEVER received any notice from them before this was even placed on my credit. I have no contract with RGS and have been corresponding with XXXX every since I closed my service in regard to pymnt arrngmnt on bill and I was told by cox that as long as I keep in contact I should not have to worry about this being on my credit which I did stay in contact. I was being charged for equipment fees and had to have an equipment form filled out 3 times in order to find equipment and they just found out. In addition to an etf ... that was removed due to circumstances. So this should not even have been on my credit until everything was appropriately assessed and calculated which it was not. I would appreciate this being taken off of my credit immediately because the actions that were taken to be placed on my credit was erroneous and illegal. I recently spoke with both XXXX XXXX and XXXX sup from XXXX and these fees attached to my credit has been confirmed to be incorrect with them, and should not be on my credit.
Consumer complaint received 2023-08-20
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. (MO)

To Whom May Concern Good Morning, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue. 

Attached FTC Report
Consumer complaint received 2022-09-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (NV)

On XX/XX/XXXX at approx XXXX I called chime to make a dispute for approx 15 unauthorized transactions for which I advised the rep that I had a police report as well, they told me that I would be able to submit it via my portal. 
I was ultimately never able to submit it and less than 24 hours later I received an email stating that they have conducted a full investigation for all the transactions and it was denied On XX/XX/XXXX at XXXX I received an email stating the claim was denied which is almost impossible to complete a full investigation on the claim that quickly and close the claim so quickly without even allowing me to submit my police report or anything else significant to this matter. 
This totally violates consumers rights according to REG E which protects us from these exact type of violations Logically theres no way to fully complete an investigation in less than 24 hours for that many transactions
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have tried to contact Experian using the phone number to their customer service, but I can not get any assistance. They are reporting an incorrect address on my credit report and also a fraud alert that needs to be removed. I send them the only address that I have which is on my identification and they are reporting a XXXX XXXX XXXX that is not my address. I need this address removed and the fraud alert removed from my account. The address that needs to be removed is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-07
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. (LA)

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 report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. 

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. 

XXXX XXXX
Consumer complaint received 2022-12-08
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: BARCLAYS BANK DELAWARE (FL)

I have a hard inquiry for a company called Barclays on XX/XX/2022 that was not made by me. I have no idea who or what that company is.
Consumer complaint received 2023-08-20
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. (TN)

Hi, I have had a major issue with TRANSUNION not reporting my account information correctly even after the data furnisher submitted multiple times off cycle updated account information. I have sent in the documents from the furnisher and called over 100 times. 
The issues started in XXXX XXXX XXXX  and still going on.
Consumer complaint received 2022-12-07
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. (MO)

I have already sent a letter to the Experian, XXXX, and XXXX Credit Bureaus last XX/XX/XXXX requesting a verification and deletion of information on my credit file which I consider as fraudulent. Upon reviewing a copy of my updated credit report, most of the fraudulent items are still reporting on my credit report. I have been waiting for a response from the credit bureaus and yet I received nothing. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following items completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX DATE : XXXX XXXX XXXX || DATE XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/scrub>XXXX XXXX XXXX XXXX  DATE : XX/XX/year>
Consumer complaint received 2023-07-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (IL)

I was cash apped XXXX . To cash out instantly which is the method I chose they charged me XXXX $ and some change which made the amount come down to XXXX which was deposited into a closed bank account. Now since I chose XXXX XXXX out method cash app said there was nothing they could do and to call the bank. So I called the bank and spoke to them I was told a number of things basically given the run around. Either a check shouldve been cut or the funds should have been refunded back to the cash app account. No the funds were not returned its been almost 3 weeks since and I havent heard from either the bank or cash app about where my money has gone. This transaction happened late Saturday evening around XXXX XXXX  on XX/XX/2023. It is now XXXX and now the bank is saying the funds never hit the account and if they did they would have been systematically refunded because the account was closed where the funds were going too. The bank and cash app are no longer helping me locate the funds, nobody is telling me anything I am late on my car note and also about to be 30 days late on my rent and I could be put out because of a system malfunction that isnt my fault. I no longer know what to do or how to go about the situation.
Consumer complaint received 2023-09-29
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. (IL)

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 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. 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.
Consumer complaint received 2023-08-20
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. (FL)

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX 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 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL (NY)

I had purchaced item from Amazon.com. item came box damaged and the item was broken monitor. i had send it back to third party, it was received but never given credit. I had complained twice to Amazon, nothing was done. I had complained to Syncronicity credit card, i got nothing. I had filed again with credit card again. so far noth9ing is done. I have send credit card all info I just mentioned with receipts, which im forwarding to you. Please check it out and if anything is need more, if I have i will send you. Tnx
Consumer complaint received 2022-12-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (PA)

In XXXX of 2022. Pnc Bank closed acct ending in XXXX. There was an existing- {$960.00} balance. To satisfy this obligation I sent a promissory note for the amount. Pnc Bank kept the note and eventually credited the account. So I thought issue was resolved. A few weeks go past and the - {$960.00} was due again. I went to the branch and they said they didn't see the note applied. However note was kept and the account balance went to {$0.00}. So as shown in pics I then sent an additional registered note and it also was kept. However, this time they already illegally closed my account.