davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-11
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: CLGF Holdco 1, LLC (AR)

In accordance with the fair credit reporting act XXXX, Account numbers : XXXX, XXXX, XXXX, have 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 an 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 purpose.
Consumer complaint received 2024-01-26
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)

The following inquiries appeared on my credit report without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-12
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. (CA)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-02-16
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)

This complaint is to follow up on my previous complaint. The items that I am disputing are misleading and must be investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX The addresses listed above are not my home address The accounts are inaccurate and fraudulent. Im seeking Litigation. 
The inquiries are unauthorized and fraudulent. 
Please delete them at once.
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/XXXX An authorized amount of {$3300.00} was sent to someone through XXXX under Bank of America. 
Multiple attempts were issued to this XXXX  account without Bank of America notifying me through text to send a code to authorize transaction. When I noticed money gone in my account I called Bank of America and filed a claim. They just rejected my claim and I reopened it because I did not authorize this XXXX 

Bank of America stated that they did not send me an authorization code to my cell phone number nor email- how was this transaction even done without me authorizing? Usually to a new person the bank sends an authorization code to confirm. 

Please help
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

I have lost all my savings mounting to close XXXX XXXX dollars including taxes thru a scam. This happened thru 10 international and 9 domestic wire transfers and XXXX XXXX transactions. Money was wired/withdrawn thru local banks in XXXX and XXXX, MD between XX/XX/XXXX and XX/XX/XXXX, when I went to XXXX XXXX police XXXX The Consumerfinance instructions were to file one report which I did under international wire transfers as it did not allow me to click on multiple actions. 

A number of federal agents were involved. On XX/XX/XXXX I received a phone call from Agent XXXX XXXX with federal batch XXXX using a secret line that {$120000.00} has been sent to XXXX and XXXX using an account with my SSN, and additional 6-7 accounts have been tried to open. As this was a case of identity theft, I shouldnt discuss it with anybody and be absolutely honest. Information had been forwarded to US Treasury Department. XXXX XXXX gave me his direct line XXXX. He forwarded me to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX told me that my identity was compromised as there were now 5 different accounts under my SSN. Wire transfer totaling {$28000.00} that were never reported to IRS were now detected. Thus it was necessary to take actions to issue a new SSN. He offered me the Federal XXXX option outside the court that would offer me a new ID without interrogations and protracted court proceedings. Because of my SSN was used, I was now a defendant. XXXX. XXXX also gave me his direct line XXXX. He would call me back in 30 mins to give Treasury Departments report. 

In order to keep this investigation with Case ID XXXX open, I had to text him twice a day. I was a defendant in {$280000.00} money laundering case using the option XXXX by Federal Government. Before a new SSN could be issued they have to clear my accounts through wire transfers and XXXX actions. At the completion I was supposed to get my money plus 10 % back ( 15 % on IRAs ), no tax consequences and a special 0 % mortgage. This was to compensate losses resulting from keeping my money off markets. 

On XX/XX/XXXX XXXX XXXX instructed me thru the first wire transfer and told that XX/XX/XXXX XXXX Department will put a note on my SSN that nothing could be done using that SSN. On XX/XX/XXXX I was referred to XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX Department because my case was complicated. XXXX XXXX used text messages and phone calls to communicate with me until XX/XX/XXXX guiding me thru some 19 successful ( and a handful unsuccessful ) wire transfers and XXXX XXXX actions. I received occasional emails containing official letters from the Supreme Court, DC Attorney General and the Head of the Treasury Department. 

The XXXX XXXX to get my new SSN and checks of my money was scheduled on XX/XX/XXXX. I was to receive two people from the MD State Department who would show their IDs to have a meeting at my home. It never happened and I went to police.
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 All of these companies have ran my credit profile, not of my knowledge. I have been a victim of fraud, and I did not consent or apply for anything with any of these companies. I have not had any service done by none of these companies. I have never called or applied with any of these companies. I believe it was fraudulent activity not knowing of my knowledge.
Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

I had a credit card account with XXXX. I got behind on the payments because I was paying my winter gas bills. I received a statement from XXXX showing the debt was charged off. Then I received a letter from the Jefferson Capital collection agency requesting payment. I e-mailed them a settlement offer. They refused the offer. 

I received a collection letter. They want 90 % of the balance {$890.00} payed in 30 days. I already told them I live on limited income. I am willing to settle for at least 75 % of the balance payable in at least 10 monthly payments starting in XXXX XXXX
Consumer complaint received 2023-03-29
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. (NJ)

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit 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
Consumer complaint received 2023-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies. Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code if you fail to meet code requirements. Delete this tradeline if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) For the purpose of validation provide me with : The name and address of the original creditor, the original date of default or non-payment of the debt with original creditor, the date the debt was transferred from the original creditor to the third party debt collector, the original balance, the current balance, how much you purchased this debt for and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) and Texas Surety bond information as required by Sec. 392.101. I am invoking Texas Finance Code 392.202 CORRECTION OF THIRD-PARTY DEBT COLLECTOR 'S OR CREDIT BUREAU 'S FILES. I request immediate notification by mail if this alleged debt is sold or transerred per Sec. 392.301 ( a ) ( 4 ). Please note I am fully prepared to pursue my rights for the harm this innacuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. I emphatically suggest you get your files in order as I am a litigeous consumer.
Consumer complaint received 2023-01-14
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. (NC)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX CT XXXX, NC XXXX ; XXXX XXXX CT XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX  XXXX ( Original XXXX XXXX XXXX ) XXXX Balance : XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2022-01-02
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. (NY)

I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 60 days and I haven't received any investigation results.
Consumer complaint received 2023-03-04
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)

On XX/XX/2023, I filed a complaint with you and the Office of Comptroller gave my Appeal and evidence but Experian still reporting negative results after giving them evidence to show I was never late with my XXXX payment because my payment are due on the XXXX of every month I paid Lending Club XXXX dollars plus XXXX and made the mistake of sending them a check through XXXX bank in the amount of XXXX they were supposed to refund my money back to me but still have not done it yet. I have given everybody evidence to show my truth and I feel my XXXX rights are being violated by not taking my evidence seriously and causing harm to my credit report. Please investigate this matter.
Consumer complaint received 2023-03-08
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. (KS)

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-19
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: DISCOVER BANK (GA)

I booked a rental space through XXXX on XX/XX/XXXX to have old friends get together again for {$640.00}. Prior to our arrival the space had a horrible odor, everything didn't match the photos the host posted on XXXX. There were a lot of fingerprints on the TV and glasses ( plates and cups ), thick dust, extreme dirt, the couch was damaged and tears, one of my group friends got really sick from XXXX due to dust and odor, there are few on the list. I reported XXXX about this situation and sent photos for evidence purposes and they found the policy and house violations against the host. They recommendedthat I file a dispute charge through Discover credit card company because the host refused to refund when XXXX requested the host to do so. I contacted Discover on the phone with XXXX to file for dispute and she said she can not be able to help so I filed a complaint through XXXX and got a response from XXXX through XXXX that he can not do anything to solve this matter. 

Keep that in mind, I used my stage name known as XXXX XXXX XXXX on XXXXXXXX account.
Consumer complaint received 2017-07-24
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. (MI)

For XXXX/XXXX to remove the 120 days late reporting status. The credit bureas to notice XXXX/XXXX balance was paid in full after a student loan debt consolidation ; however now there reporting more than 120 days past due damaging my credit score. All three bureaus have been notified but they continue to report erroneously 120 days past due causing me to not qualify for a mortgage.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Hello. I hope this finds you well. Back on XXXX records # XXXX. We submitted a complaint to you regarding XXXX XXXXXXXX XXXX  In which you passed on the information to another agency. We never heard back from anyone. After a long battle with XXXX XXXXXXXX on the phone XX/XX/2019. We were told, because we mailed a final payment with a letter to close the account BUT logged into the XXXX  XXXX web portal to verify they received final payment ... that triggered " reopening '' the account in which we were charged {$500.00} +/- monthly fees plus finance charges since we had no idea " we reopened the account by logging on ''. XXXX XXXX via a recorded phone call on both sides, assured us they would remove from our credit report ... in which we filled a complaint with CFPD and wrote letters to all 3 credit bureaus. One credit reporting company did communicate with us and it is removed, but the other 2, never responded and the XXXX XXXX is a mark against us, with late payment and account closed by XXXX XXXXXXXX. This company preys on people mistaking them for XXXX XXXX, same logo, etc. Address out of XXXX XXXX, company is actually XXXX. How do we stop this company from preying on others? How do we once and for all get this horrid mark removed from the other 3 credit bureaus once and forever? They are a predatory falsifying " Bank '' lender NOT from USA
Consumer complaint received 2023-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

I am a victim of identity theft and this debt is not mine. I have police reports and detective narratives explaining that someone who was not me- opened an apartment in my name refused to pay and then exited the community. The suspects gender and physical description supports and proves that this debt is not mine. 

This suspect opened an apartment leasing contract with the XXXX at XXXX XXXX under my name without my knowledge or consent, then failed to pay their obligations. This debt is not mine and needs to immediately and permanently be removed from my credit files at all three bureaus. 
Im signing this to acknowledge and emphasize my complaint as a victim of identity theft who has never lived at the XXXX at XXXX XXXX. This debt and collection sought by XXXX XXXX is not mine.
Consumer complaint received 2023-02-16
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-10
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. (TX)

I CALL EQUIFAX AND FILE FTC REPORT AND POLICE REPORT. THIRE IS 3 FRUAD Hard Inquiries. 

XX/XX/202XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX I HAVE SEND EVERYTHING TO THEM. THEY TOLD BE IT BE REMOVE IN 24 TO 48 HOURE IT NEVER HAPPEN OTHER AGENT TOLD ME IS NOT SHOW IT HAS BEEN REMOVE BOUT IT STILL THIER. JUST NEED THIS 3 FRUAD INQURIS BE REMOVE. THAT IS ALL.
Consumer complaint received 2021-01-02
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. (MA)

XXXX and XXXX  have not investigated my dispute and added a false comment on my file for the below account. 

" XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  ... I never cancel this dispute!