davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
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. (CA)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-16
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. (MA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2023-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On XXXX XXXX XXXX I made a payment of {$700.00} for a booking on XXXX for the dates of XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. During the stay I had a couple issues with the lease hoder and the company themselves. For instanse, the neighbor next door made the stay a lot worse on the XXXX during the stay, when a party was taking it's lead to bigger factors involving illegal activity. XXXX XXXX XXXX  ( XXXX ) arrived to the location of the unit and ceased the event, but XXXX it resumed again with heavy traffic and loud noice and of course i reached back out to the host and I made another call to reported to XXXX. Every time I reached out to the host. I was ignored, felt like. Even though I was told if I needed anything they would be there to assist every way, however, the host was non responsive the entire weekend. XXXX  evening, the host decided to respond to let me know that they will report the disturbance to the Building Manager. I explan to the host due to the disturbance, it deffiently made the stay change from leisure to restless XXXX and XXXX Even with the request for clean towels or to come clean the room, it was returned as if I was a bother to them. When I reached out to XXXX and informed them about the stay and that I wanted my money back at least, because for one the trip was a worse experience, especially with the lack of communication from the host and company alone. I explained to the XXXX  that it wasn't right and that this isn't fair that I was ignored and that i didnt have any assistance with the concerning issues. I contacted Chime on XXXX XXXX  to file the dispute. On XXXX XXXX, Chime requested for me to upload my supporting documents for the dispute. On XXXX XXXX Chime emails me and states that they have completed the investigation and that the charge was not an error. ( not exactly what I disputed as ). So I requested for Chime to send me the documents used inthe determination for the final outcome on XX/XX/XXXX. Without any more notice, Chime declines again.
Consumer complaint received 2024-03-27
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. (OH)

they refuse to block fraud accounts by law TransUnion replied to a XXXX that they are still working on a case this is not true I called and they have no record
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2024-03-27
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 numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-18
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: STERLING JEWELERS, INC. (FL)

This call came from  XXXX  and  XXXX .When you call they only say " Corporate Office, how may I help you '' they do n't say the name of the company.
I spoke to two gentlemen :   XXXX   XXXX   and   XXXX   XXXX   Before my husband and I were married he accrued a debt to Kay 's Jeweler 's for a small unpaid balance. Year later, we are contacted by a debt collection agency asking for money owed. We asked them not to call, ( they were calling my phone too ), and sent them a written letter asking them to stop calling and to also not call me or his job because we had asked them not too. After the letter was sent, we had a debt collector still contact us and yell on the phone that he was coming to get the money that was owed to them and he was going to send the police to our home.
Fast forward to 2 years now, I received a call on my job and they asked to speak to the Human resources department ( whose desk is next to mine ) they told her that they were coming to serve me papers, and told her I had a debt with Kay Jewelers. She was rattled and gave me the contact information to contact them back. I called them back and they told me that they were going to serve me papers on my job and then start garnishing my check because Kay Jewelers planned to sue me. I informed them that this was pre-marital debt and this had nothing to do with me. The gentlemen informed me that he did n't care and the debt still had to be paid or they were going to serve me papers on my job and sue me.
I spoke with a legal friend and was advised that this was premarital debt and they should not be contacting me, but my husband, and I was also informed that if I had written them a no contact letter then they should not be contacting me nor my employer.
Consumer complaint received 2023-05-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (AL)

Commencing on or about XX/XX/, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Scammer ). The total amount of XXXX USD was transferred from my wallet utilizing your services.
Consumer complaint received 2023-05-11
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. (OH)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2023-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (AR)

I got solar panels from XXXX. XXXX went out of business and left my priject incomplete. Mosaic dispersed funds to XXXX XXXX XXXX XXXX before the project was complete and before insuring the panels were functional. The solar panels were and are not operating or operational. They are not wired correctly. I can not get the solar panels to PTO ( permission to operate ).
Consumer complaint received 2023-06-15
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-07-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Original debt was {$2100.00} in  XXXX , now {$2700.00}. Charges variable amounts. Different each month with each credit bureau. I would like to know the maximum interest that can be charged from this debt collection agency. Is there a % or standard amount ( set ) each month. I have tried to settle with this company. Set up arrangements and could not contact to make payments. Accepted payment in  XXXX  &  XX/XX/XXXX . Credit report has not been updated either time. Rude behavior when discussing debt and has never given explanation of debt.
Yelling and making threatening remarks.
Consumer complaint received 2024-03-27
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. (CA)

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

The following information therefore needs to be re-investigated. I respectfully request to be provided proof that these inquiries were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-11
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: Army and Air Force Exchange Service (LA)

XX/XX/XXXX - Original Written Dispute with AAFES over being reported for late payments while XXXX to XXXX. no response XX/XX/XXXX - Written Follow up with AAFES. no response XX/XX/XXXX - Written follow up again with AAFES. no response XX/XX/XXXX-XX/XX/XXXX - Applied for a VA mortgage Loan to purchase my home. I was approved and it closed inXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX - Denied Improvement loan. I was informed that information from AAFES for late notations was part of the financial decision on loan denial. I was of the impression that this issue had been favorably resolved during the follow up process. 
XX/XX/XXXX - Contacted via phone. Spoke to customer service rep and assured that the original dispute from XX/XX/XXXX was in my file and it would be re-sent to each of the credit bureaus.
Consumer complaint received 2020-04-28
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. (FL)

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : EXPERIAN REPORT NUMBER : Report Number : XXXX XXXX  Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX  XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach ( XXXX  XXXX data breach ). i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
Consumer complaint received 2017-07-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MO)

I requested a Lease Buy out from my lease holder Ally Bank on    XXXX   XXXX   , the amount quoted was {$27000.00}. The amount was good until my next payment due date on  XXXX   XXXX .     However during my consult the next day at the dealer, they contacted Ally bank to obtain a buyout amount and received a quote of over {$30000.00}.       Clearly this significantly changed pricing for me to have that amount added to my next loan/lease.     To the least sophisticated buyer this could cause great financial hardship. Especially, if they did not attempt for themselves to obtain a customer buyout. That would have no idea why the buy-off [ minus  ]  dealers bid on your current vehicle would be high.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep frustration and dissatisfaction with the handling of fraudulent items on my credit report, despite many attempts to follow up and have them removed. This marks the eleventh time I am formally requesting the removal of these fraudulent items due to their fraudulent nature. 

This continued failure to address the issue is unacceptable and has caused immense stress and hardship. It is imperative that these fraudulent items are promptly removed to prevent further damage to my creditworthiness and to safeguard against potential identity theft or financial fraud. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
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 am writing to express my deep frustration and dissatisfaction regarding the handling of fraudulent items on my credit report despite numerous attempts to follow up and resolve the issue. 

I have tirelessly pursued the removal of fraudulent items from my credit report, submitting multiple disputes to your agency and providing extensive evidence to support my claims of fraud and identity theft. Despite my persistent efforts and numerous follow-ups, these fraudulent items persist on my credit report, posing a significant threat to my financial well-being and reputation. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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. (IL)

I am writing to express my profound frustration and disappointment regarding the ongoing issue of late open accounts on my credit report. Despite my persistent efforts and many attempts to rectify the situation, these inaccuracies persist, prompting this fifteenth follow-up. 

I have diligently submitted disputes to your agency concerning the inaccurately reported late open accounts. Each time, I have provided extensive documentation and evidence supporting my claims of inaccuracies. However, despite my unwavering persistence and continued submission of evidence, these late open accounts persist on my credit report, damaging my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these late open accounts. It is crucial to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to correct these accounts 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