davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-03
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. (MS)

I'm 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 COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (CA)

I am having problems with the credit card company not communicating with me the status of the complaints. They have removed my access from being able to see my account online and also made it impossible to get a clear understanding of what is happening with my account. 

The company has opted to accuse me of breaking a rule and cancelled my card which was due to packages being stolen and a police report was filed. The purchase was from XXXX and they made on big order into close to 10 to 12. Due to the items being taken or not delivered I requested assistance. 

The credit card company has made a determination now that is harming me from seeing the statements online and being able to review what is happening. This action is not only wrong but it places me in the blind as to what is happening with my account. They know that I am XXXX and this further causes problems for me. 

They have been very difficult to deal with and I have requested more information.. I want the information to be available online as I have paid my bills and should not be blocked.
Consumer complaint received 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On or about XX/XX/2022 I filed CFPB Complaint # XXXX. I received the attached email on XX/XX/2022 from a resolution specialist at Bank of America 's Regulatory Complaints Department, asking to confirm I am the party who filed the CFPB complaint. I confirmed filing the CFPB complaint and requested copies of the evidence the bank has regarding the fraudulent transaction and I never received such evidence from the bank. The bank has now re-opened the dispute and I am again requesting the evidence in the bank 's posession be sent to me so I can examine it and be afforded due process rights to challenge said evidence. In the interim, I have paid the full disputed balance and I am requesting the {$220.00} in accumulated interest charges be waived since the bank has re-opened the dispute.
Consumer complaint received 2024-03-15
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 accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: 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. (OK)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Oklahoma XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, My name is XXXX XXXX and I am writing to dispute several negative items that have been reported on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I have the right to request that inaccurate and outdated information be removed from my credit report. 

Firstly, I would like to dispute the following account : XXXX XXXX XXXX XXXXXXXX XXXX, Account Number : XXXX. I have noticed that the same incorrect information is being reported, and nothing has been updated. Therefore, I request that you remove the incorrect late payments from this account as soon as possible. 

Secondly, I am disputing the account : XXXX XXXX XXXX XXXX, Account Number : XXXX. I am interested to know how you are always able to verify something that never actually happened. I dont remember ever being late with any of my payments. Therefore, I request that you remove this harmful incorrect data immediately from my credit file. 

Thirdly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fourthly, I am disputing the account : XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Fifthly, I am disputing the account : XXXX XXXX, Account Number : XXXX. Please verify the payment status, balance, comments, payment history, and account number as they might be incorrect. I request that you fix or delete this account from my report completely. 

Sixthly, I am disputing the account : XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

Lastly, I am disputing the account : XXXX  XXXX XXXX, Account Number : XXXX. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

I respectfully request that you investigate these disputes in accordance with the FCRA and provide me with a written response. If you find that any of the information I have disputed is inaccurate, I request that you correct or delete it from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Pursuant to 15 U.S. Code 1692g - Validation of debts ; and FCRA laws ; TransUnion must provide how they verified this debt belongs to me in the following manner : XXXX ) How did you verify these accounts? 
XXXX ) Provide an original contract for each account with my wet signature. 
XXXX ) Provide documentation showing that I am contractually obligated to pay these debts. 
XXXX ) Provide proof that XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the legal right to collect these debts. 
XXXX ) Provide any agreements or contracts I purposedly signed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I trust this message finds you well. I am writing to lodge a formal complaint against American Express for an issue that I believe reflects a breach of trust and unfair business practice. 

I am a longstanding customer of American Express. I currently hold three cards with the organization- the XXXX XXXX, the XXXX XXXX, and the XXXX XXXX XXXX XXXX. Two months ago, I upgraded to the XXXX XXXX, driven by an attractive welcome offer advertised on the XXXX website XXXX XXXX XXXX XXXX XXXX & XXXX ). The offer promised XXXX points on all dining transactions within the first six months of card usage. 

Despite my substantial spending of over {$15000.00} within the first two months, this offer has not been honored. What's more concerning is that the same offer I applied with is still actively being advertised on the XXXX website, which is owned by American Express. 

When I approached the American Express customer service team and my account XXXX to resolve this issue, I felt dismissed and undervalued. The threat that I would lose my XXXX bonus points if I chose to cancel the card before completing XXXX year was not only disheartening but also felt like a punitive measure rather than a resolution to the issue at hand. 

I am bringing this matter to your attention in the hope of a thorough investigation and a fair resolution. I believe that as a consumer, I have the right to receive what was promised in the welcome offer. It is disappointing to see such a reputable company engaging in what seems to be misleading marketing practices. 

I look forward to your support in resolving this matter and hope that measures can be taken to prevent such issues from occurring in the future. 

Thank you for your time and attention to this matter.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX I was sent a text by Citi that my credit card was used for a purchase at a XXXX in XXXX XXXX, NC. I live and was in XXXX, PA when the text came. I immediately called Citi and reported the purchase as fraudulent. For some reason, the charge as on my statement the following day XX/XX/XXXX. Citi canceled that card on XX/XX/XXXX and sent me a replacement via mail a week or so later. Unfortunately, they didn't remove the fraudulent purchase from my monthly bill and I paid the bill that included the fraudulent purchase. It took me a number of months to realize that I paid for a purchase I didn't make. 

I called Citi several times to get this resolved and was referred to their XXXX security XXXX number XXXX. I didn't document the first call date, but I was told it would take 1 to 2 billing cycles to see the credit or NTE 90 days. I was never credited or contacted about the fraudulent charge or credit. 

On XX/XX/XXXX, I called again at the same # - XXXX and talked to a representative named XXXX who gave me the same response - 1 to 2 billing cycles or NTE 90 days. Nothing from Citi. 

On XX/XX/XXXX, I called again, same #, and talked to a representative named XXXX. Same story except he assured me he would handle this personally and I'd see the credit XXXX to XXXX billing cycles or NTE 90 days. 

So I've contacted Citi at a minimum of three times w/o getting a credit or a reason why I didn't get the credit. I believe I did everything correct by immediately notifying them of the fraud. They should have a record of issuing a replacement card if nothing else on XX/XX/XXXX.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit report
Consumer complaint received 2019-07-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

several phones calls, threatening letter and messages on my phones about an old debt that was settled several years ago. The original creditor change the card provider prior to the change all balances was paid in full but the collection agency refuses to stop harassing me.This matter was disputed with the credit agencies but the collection agency keep submitting in correct info to justify their claim.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-11-03
Product: Credit reporting 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)

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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

My sole proprietor account with Bank of America under the XXXX XXXX XXXX  received a check from a company out of Florida I did some advertising for. I had know knowledge the check was counterfeit and fraudulent. The bank immediately closed my account I need for my business and told me I can not open an account again until 2029. they closed XXXX accounts XXXX for my kids ' as well. I have money and they are giving me a hard time to get my money back which I need now to feed my kids and they informed me it will be a lengthily process where they will have to mail me a check for my money I need now in a month or XXXX. I am not sure whereto cash a check without a fee if they have closed my account and wont give me my money
Consumer complaint received 2020-01-15
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 is reporting lates to my account that I should not owe. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX lates on this account were not my fault, I made my payment online and was told the payment went through, I did not find out until later that the payment returned. I was never notified of the returned payment, this late was not my fault and it needs to be removed.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

To Whom It May Concern This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW. The following account are still unverified : XXXX XXXX XXXX Balance {$750.00}, {$510.00}, XXXX XXXX XXXX # XXXX These account are in error. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law.
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX/XXXX XXXX listed multiple 30/60/90/120 day late payment on my credit report from XX/XX/2018 to XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX and XXXX. Please remove the 30/60/90/120 day late payments from my credit reports.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. My name is XXXX XXXX, and I have noticed inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX- Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX O - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX I request that you provide me with the original paperwork showing that I was late on these accounts and when. Your reporting is completely inaccurate and has caused significant damage to my credit score. I demand that you update these accounts to a positive status with no late payments immediately, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, there are inaccuracies in the following personal information reported on my credit report : Account Number : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 
Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately. 
Under FCRA, I have the right to request that these inaccuracies be removed from my credit report. I request that you investigate these inaccuracies and correct them as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-09-27
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. (NY)

I recently sent in a complaint of identity theft for Experian. Their response is that that need authorization due to third party. My name is XXXX XXXX, and I am a victim of Identity theft. I am NOT a third party. I XXXX XXXX also give Experian permission and authorization to proceed with my complaint on my behalf.