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: 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)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDEN 1 CREDIT UNION, THE (CA)

on XXXX19 amount of {$11.00} was taken out of my golden 1 checking account thru XXXX from XXXX. I did make a purchase but seller never sent me the item. I have tried disputing with XXXX and XXXX and now with golden 1 and no refund has been sent to me. i need help getting my refund
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION (TX)

I have a few reported hard inquires on my account which seem to be damaging my credit score. These hard inquires are inaccurate and you are reporting it to my credit score. 
XXXX XXXX ( auto ) XXXX XXXX ( bank ) XXXX  XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( bank )
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have reached out to the credit bureaus and have forwarded them a letter from the bankruptcy district court clerks off and record division that states that they do not report to the credit bureaus. If the courthouse says itself that they do not report to the credit bureaus then there in no way to be 100 % accurate of any reporting of any bankruptcy of public record. The following bankruptcy is not mine and in addition it is unverifiable. 

Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX And Please Remove this late Payment From Your Records : Account Name : XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX XXXX See Attached Letter From Bankruptcy Court*
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-08-21
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. (NY)

I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is signed and attached with an FTC and Identity Theft, yet the Experian credit bureau is still not taking any actions. The account is not showing in dispute nor are they removed from my report. The bureau seem to ignore the trend and let this fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proof needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. I'm still here shelling out money with no end in sight and no results to show. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING? Delete this account ASAP.ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! THE DISCHARGE PAPER FROM THE COURT IS CLEAR! THEY CAN NOT COLLECT on a XXXX DEBT!! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the account immediately! 
XXXX  CARD XXXX Date Opened : XX/XX/2016 Balance : {$14000.00}
Consumer complaint received 2023-06-05
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. (FL)

XXXX XXXX XXXX account is not mine. Shows closed but is not mine and is showing on my reports. Have tried to contact company and can not get any valid response. Have provided them with information to show that the account was not mine. 

Amount : {$7800.00}
Consumer complaint received 2023-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NE)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-21
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-29
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. (TX)

Hi, my name is XXXX XXXX. I am writing this complaint in regards to my credit report. This morning ( XX/XX/2021 ) I ran my credit report and saw that I was an Authorized user on an account with a high balance. The Balance on this account was {$9400.00}. However, the only card I am authorized on is under XXXX XXXX and has no Balance on his account. The card that I am authorized on is XXXX whose primary holder is XXXX XXXX and currently has no balance. I was contacting you in order to figure out why the balance on my credit report is {$9400.00} when my father doesn't have a balance. Or if I was authorized under someones account without my knowledge or consent.
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

Dear CFPB, I received a copy of credit report and have found the following item listed below to be an error. This account is listed with a 30 day late payment and that is incorrect. The following account was never late and should be listed as Paid Satisfactory. 

XXXX - I was never late on XX/XX/2019 on this account. Please update the account as Paid satisfactory. 

By the provisions of the Fair Credit Reporting Act, I ask that these items be investigated and removed from my report. It is my understanding that you will recheck this item with the creditor who has posted them. Please again remove any information that the creditor is unable to verify. 

Thank you
Consumer complaint received 2020-08-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (OH)

I received a bill today XXXX XXXX regarding a bill of XXXX XXXX and XXXX XXXX dollars for a hospital bill. The bill was apparently on XX/XX/XXXX from a non profit hospital, that billed my insurance, and after I filled financial medical assistance paper. I didnt receive any bills afterwords, and looking at the Online billing with a balance or XXXX dollars.
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. (GA)

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX Dear TransUnion, I am writing to dispute unauthorized credit inquiries on my credit report that I believe to be fraudulent. I did authorize the inquiry but I got denied for a loan based from a fraudulent collection account. They removed the collection account as asked. If the fraudulent collection account was not on my report I would have been approved for the personal loan. I couldn't bury my grandmother because of the loan denial. I am requesting that this item will be removed from my credit report as they are affecting my credit score unjustly and essentially ruining my life. I called XXXX XXXX and they told me disputes are placed on Transunion and not through them. 

Personal Information for Verification : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Contact Number : ( XXXX ) XXXX The details of the fraudulent inquiry are as follows : XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This inaccurate reporting is negatively impacting my good name, character, and ability to qualify for new credit. As a consumer, I have a right to accurate and fair reporting of my credit history, and this discrepancy is creating an unfair and inaccurate representation of my creditworthiness. 

Enclosed are copies of [ any relevant documents or proof of the dispute, such as my ID, I request a prompt investigation into these matters and the removal of these unauthorized inquiries from my credit report. Please confirm the receipt of this letter and inform me of the outcome of your investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: Experian Information Solutions Inc. (MI)

Experian only CRA to persist false/inaccurate/misleading/unverifiable information for this account ; annotations relate to XXXX mishandling account by : 1 misapplying payments ; 2 ignoring billing error notifications ; and ultimatley failing to correct errors on the account before their system charged the account off. 

Payment history was found to be inaccurate and thus was removed. However, The CO annotations remain and do NOT correlate to any known period for which XXXX was found to have provided accurate/verifiable payment history. 

The bank may only charge-off a loan after a certain threshold in days late is reached. 

Since the CO annotations were the result of 1 ) and 2 ) above, for which prior payment history was removed because it was false, misleading, inaccurate, and unverifiable, the CO can not stand on their own in context To persist those annotations is to engage in unlawful, unfair, and abusive practices and misleads a potential creditor into believing the CO the result of my actions, rather than the inaction/negligence of the bank. 

A partial denial of remedy, ie. paying off the account balance in absence of removing the charge-off statuses for XX/XX/XXXX thru XX/XX/XXXX, does not fix the damage that has already been done to me as a consumer. 

The fact is I have been denied housing in part because of the CO annotations because those management companies believed it to be an indicator of not paying my bills : " excessive charge-offs. '' I am asking that Experian remove the CO annotations because the annotations are misleading and continue to cause me undue harm as a consumer.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (TX)

XXXX charged me {$1500.00} incorrectly. They said they refunded me {$65.00} on XXXX. Citibank wont give me my credit back
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (ID)

I opened a Citi checking account on XX/XX/2023. I chose Citibank because I already had a credit card with them. I deposited {$50000.00} into the CitiBank checking account by transferring funds from my XXXX savings account. I paid off my Citi credit card with my new checking account that day. This left a balance of {$44000.00} left in the Citibank checking account. The next day, I realized I could not access my mobile app. After a lot of time on the phone with Citibank, they finally explained that my checking account had been flagged as fraudulent and closed. The following week I revived a letter dated XX/XX/2023 that said it was closed and that it would take 30-60 days to receive any funds I was entitled to. 

On XX/XX/XXXX I called Citibank using the number on the letter. I was told that since the 60 days had elapsed, I would receive the balance in the form of a check no later than XX/XX/XXXX. 

I did not receive a check. 

On XX/XX/XXXX I called Citibank and was told I was not entitled to any funds. After a lot of back and forth with CitiBank and XXXX ( a branch under XXXX based in California ), CitiBank said XXXX would need to file a hold harmless claim since apparently when the ACH was sent, my name wasnt on the transaction. Plus it looked fraudulent since I live in Idaho. 

Through a lot of back and forth and at least four hours on the phone, I learned there was a force transfer on XX/XX/XXXX between XXXX and Citibank. Ive attached a screenshot. 

At this point, all I have is a message from XXXX bank that a claim was started, but I havent seen the claim itself. Citibank told me it would be another 30-60 days to process this claim. 

I just want my money back.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

there are multiple items that are on my credit report that are inaccurate. These accounts were never opened by me and I can verify that these companies do not have any valid documents stating that these accounts belong to me.
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

Previous Case # XXXX - to be withdrawn American Express On XX/XX/2022, withdrew {$3800.00} without my permission. American Express increased my amount owed to {$11000.00}. I had only one charge {$300.00}. I am over-charged {$4200.00}. There were no other amounts charged by me ( only placed on my account by American Express ). Please read letter to explain further charges placed due to American Express worker.
Consumer complaint received 2022-12-07
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: American Credit Acceptance, LLC (MD)

In accordance with the fair credit reporting act, American Credit Acceptance has violated my rights.

15 USC 1681 section 602 states that i have the right to privacy.

15 Usc 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2023-08-21
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: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-21
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)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX