davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
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 formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2020-04-05
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- AUTO ACCOUNT -- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

XXXX currently is reporting under CARRINGTON Mortgage Services that I have a 120-day late payment in XX/XX/XXXX and a 30-day late payment in XX/XX/XXXX ; both are incorrect and should not have been on the report to begin with. 

I initially filed a dispute to this item earlier this fall and was told by XXXX that they have no control over what they are reporting but rather they have to report what the creditor tells them to report -in this case CARRINGTON Mortgage Services .

I have spoken to CARRINGTON Mortgage Services on several occasions regarding this issue and each time I am told that this reporting discrepancy should have been resolved since the other reporting agencies have already removed these erroneous late payments. 

These incorrect late payments are still being reported by XXXX and it is currently keeping me from my correct and proper credit score and status. I need to turn to you because I can't determine which one of these parties is actually responsible for removing these items from my XXXX credit report.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK (MI)

On XX/XX/XXXX I received a call from the phone number for my Discover Bank. I answered and was told that there was suspicious activity on my account. He said there were two charges through XXXX two different people. I didnt recognize them. He sent me a text to confirm to be sure I was receiving those text when any activity occurred. The text did mention something about a company, XXXX XXXX XXXX. It said there was a charge for {$82.00}. I questioned him because I had no idea who that was. He said I just need to answer yes to the text so I did. He said he would have the XXXX  credit fraud department call me, I was sick and had been sleeping when he called so when my head cleared and I woke up, I realize it sounded suspicious so I called Discover Bank. They told me that there were multiple charges to that name ; XXXX of them that totaled almost {$1600.00}. They said I could not dispute them until they posted to my account. they posted two days later so I called and they disputed each one of them and told me I would get a response within 4 to 45 days. I could not open a new checking account because it was a regular bill of mine pending. I called again on the XXXX. They told me they had closed my account and gave me new routing & account number info. I checked my mail on XX/XX/XXXX and found a letter for each dispute saying it was denied. 
When I called to question that I was told that it would never have been approved. It was considered a scam, and they never approved disputes for scams. If someone had told me that rate from the beginning, I wouldnt have lost two weeks time trying to fight that. There is nothing in place for me to dispute their findings so theres nothing else I can do. I am a XXXX single XXXX XXXX XXXX  woman. Im living on XXXX XXXX XXXX. I would like to dispute their decision but I seem to have no way to do that. XXXX XXXX
Consumer complaint received 2022-12-29
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. (SC)

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a XXXX  party nor was it filed in error. 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 2021-06-17
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: DISCOVER BANK (NY)

review the following accounts that appear on my credit report, without authorization Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft DISCOVERBANK Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account XXXX : XXXX This is not mine.
Consumer complaint received 2020-04-05
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. (NJ)

Hello XXXX  os a high interest credit card company that hires employess that are not mandetory script to answer correctly to your questions. I spoke to a rep about my accoint being late. They told me that my accou t information was incorrect thats why I was charged a late charge. They said they would fix it and I would be set up for automatic payments. THIS DID NOT HAPPEN I TRIED TO CALL AND NO ANSWER AND I GO ONLINE THERES NO WAY TO SETUP AUTO MATIC PAYMENTS. THE REP LIED OR JUST WASNT LISTENING THEY AGREED TO SET ME UP FOR AUTOMATIC PAYMNETS AND DID NOT. THEY ARE UNPROFESSIONAL THEY RUINED MY CREDIT I NEED THIS UPDATED. ALSO I HAVE LATES XXXXXXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, Not Elsewhere Classified Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX BANK XXXX XXXX Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX   XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2020-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NC)

XXXX XXXX closed my frequent flyer account stating that the miles I obtained from citi credit cards were fraudulent. I need confirmation that ALL miles earned through CITI credit card accounts in my name were legitimately earned and that XXXX XXXX did not have reason to close my account due to XXXX XXXX  miles activity of my CITI cards.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I am writing to express my dissatisfaction with the handling of fraudulent items on my account with Credit Bureau. Despite promptly reporting these fraudulent transactions, I am dismayed by the delay and inefficiency in their removal. I discovered unauthorized transactions on my account, which I immediately reported to your company 's customer service department. I was assured that swift action would be taken to investigate and remove these fraudulent items from my account. However, to my dismay, the process of removal has been unduly prolonged, causing me significant distress and inconvenience. As a valued customer, I expect timely and efficient resolution of such matters to safeguard my financial well-being and restore my confidence in your company 's services. I urge you to prioritize the expedited removal of these fraudulent transactions from my account and take proactive measures to prevent similar incidents in the future. Additionally, I request transparent communication regarding the steps being taken to address this issue and provide assurances of enhanced security measures moving forward. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-07
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-07
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: Experian Information Solutions Inc. (IN)

In accordance with the fair credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : 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 2024-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OR)

I have received numerous emails ( like the one I have attempted to attach ). They are always using PayPal as the business. This time they have a name of XXXX XXXX requesting the money. Have no idea who this is. There are no transactions on my PayPal account and there never as been with any of these PayPal scams. 

He is requesting a PayPal money request for {$600.00} and indicates the transaction has been approved by them and will reflect on my PayPal activity after 24 hours. Have no idea what it is suppose to be for. The phone number I am suppose to call is XXXX if I did not make this transaction, to cancel it or receive a refund. This number has been disconnected. 

These are fraudulent, annoying and scary emails.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (IL)

Citibank is reporting incorrect information as a part of their " free '' XXXX  score service. For the past two reporting periods they have reported inaccurate information, showing my credit score dropping significantly ( over 100 points ). Upon contacting them to inquire the reason, they point to the XXXX score as the basis of their score model. However, upon investigation with XXXX, there was no significant change to my XXXX credit score. Re-inquiry with Citibank with the explanation of this lead to no additional help or changes to the score from Citibank. Despite only having accounts with Citibank, and never having any accounts be deliquent or late, they still would not provide rationale as to why their XXXX score was negatively impacted by " late accounts ''. Upon my request to open a dispute for Citibank to investigate, the opening of the dispute was not confirmed via notification to me, nor was the status or supposed resolution of the case communicated.
Consumer complaint received 2020-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (IL)

LJ Ross Associates placed a collections account on my credit report for a purported five-year-old debt I do not owe. LJ Ross Associates acted with wanton disregard for the truth, and placed this item on my credit report without verifying the amounts with me, and without properly auditing the accuracy of the data. I attempted to contact the company by phone, but they did not answer.
Consumer complaint received 2019-12-16
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc. (GA)

I purchased a {$10.00} gift card for XXXX XXXX. I gave it to my wife as a XXXX XXXX XXXX. The card says it was issued and copyrighted in XX/XX/2012. The card also says : " No fees or expiration date applicable to this card. '' My wife put the card away and came across it today and another similar card. 

She was able to redeem the other card but this one I am complaining about initially said it was accepted and then said it had expired. 

I called XXXX and they told me that they had trouble with scammers and now their cards have an expiration date and they decided to retroactively apply this policy to all cards. 

It's only {$10.00} but the idea that they can announce that a card that says, " No fees or expiration date applicable to this card. '' is now expired seems wrong to me.
Consumer complaint received 2022-12-29
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. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/202 202
Consumer complaint received 2022-12-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: VEROS CREDIT, LLC. (FL)

on XX/XX/XXXX my check had begun being garnished by Vero 's credit. I reached out to this company multiple times for the lack of the accurate reporting on my credit report when the balance I have for this company is only {$880.00}, the company has informed me over the phone that the debt will continue to grow interest but going back to my paystubs no interest had been added until my last check dated XX/XX/XXXX. Further more, the company claims that I owe them still {$1000.00} which is inaccurate. The company list this account as a collection but the IRS defines collections as taxable income. therefore, this information shall not be furnished on my account. due to inaccurate reporting and trying to add fees not included in the paperwork this should be deleted from my consumer report. IMMEDIATELY
Consumer complaint received 2020-04-05
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: EQUIFAX, INC. (FL)

Attatched XX/XX/XXXX letter to Equifax requesting WRITTEN DOCUMENTATION TO VERIFY PURCHASES * MADE BY ME MY IP ADDRESS SIGNATURE TO ACCEPT DELIVERY @ PO OR ORIGINAL * DELIVERY SIGNATURE INTO MY HANDS. see attatched proof of delivery Equifax recieved XX/XX/XXXX. Equifax report cicled XXXX  # XXXX IS RESULT OF ID THEFT see attatched FTC ID THEFT Case XXXX of XX/XX/XXXX. Criminal Investigation Letter XX/XX/XXXX USPS deliveries NOT MADE case XXXX XXXX  ( 5 FIVE ) Replacement cards AFTER FRAUD I REPORTED BEGINNING XX/XX/XXXX see attatched List of thousands of transactions reported to XXXX. See attatched XX/XX/XXXX XXXX  DENIED TO APPROVE MY CLAIM. Emails from XXXX XXXX   BRANCH AVAILABLE DISMISSING ME AFTER A YEAR DISPUTING AT CORPORATE OFFICE TRANSFERRED TO BRANCH. XXXX XXXX REP. see attatched statutes ftc provided with the ID THEFT REPORT. XXXX  IS ILLEGALLY COLLECTING ON ID THEFT. XXXX  DID NOT RESOLVE FRAUD 2 BILLING PERIODS. ** XXXX  REFUSES CLAIM AND STARTS COLLECTION?? XXXX EQUIFAX DID NOT FIX THIS ISSUE CONTINUING INACCURATE CREDIT REPORTING. PLEASE VERIFY WITH ORIGINAL PROOF OF PURCHASE AND DELIVERY ** INTO MY HANDS. 
PROVIDE MY ORIGNAL SIGNATURE OR DELETE IMMEADETLY.
Consumer complaint received 2022-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (IL)

There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SPRINGOAKCAP is attempting to collect as 12 XXXX BANK. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.