davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-26
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. (NY)

I am writing to request that you delete certain items from my credit report. I understand that you have furnished information to credit reporting agencies regarding my account, but I never gave you permission to do so. As such, I believe that your actions violate federal law, specifically 15 USC 6802 ( b ) and 15 USC 1681b ( a ) ( 2 ).

Under the Fair Credit Reporting Act ( FCRA ), companies are only permitted to furnish information to credit reporting agencies with the consumer 's explicit permission. By furnishing information without my consent, you have violated my rights under the FCRA. Furthermore, this constitutes grounds for identity theft under 15 USC 1681c-1.

I would also like to draw your attention to 15 U.S Code 1681a ( d ) ( 2 ) ( i ), which requires that credit reports contain information solely as to transactions or experiences between the consumer and the person making the report. By reporting information that was not authorized by me, you have also violated this provision of the law. 

As a result of your actions, my credit report has been negatively impacted. I request that you take immediate action to remove any unauthorized information from my credit report. I also ask that you provide me with written confirmation that you have done so within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-07-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses 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. My information was also impacted by the XXXX data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XXXX
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Benjamin Chaise & Associates (GA)

They keep calling both my phone and my wife 's phone for a business debt. They use " restricted '' number. They call an average of 12 times  per day. 

her name is XXXX XXXX Benjamin Chaisse and Associates XXXX XXXX, ext XXXX
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc ()

After more than 1 year of communication, Paypal did not process the account. Since the last time I complained to your platform, processing number XXXX paypal has only begun to address the issue and resolved it quickly. I was unable to access my funds for over 1 year, yet Paypal chose to continue to freeze the account for 120 days as a punishment. Now that the freeze has been lifted, there are still hurdles that make withdrawing funds a hassle. First, it does not allow me to correct my username, so I can not withdraw funds through a third-party real-name tool. Secondly, if I am restricted from using my account and am allowed to withdraw funds, why does it require a credit card to be tied to my account? 

Since all previous complaint messages seem to have disappeared into the app, and since it is now impossible to contact Paypal through convenient channels, including twitter, which used to be able to contact Paypal, I have no choice but to file a complaint with your platform again. 

Account email : XXXX XXXX
Consumer complaint received 2021-12-08
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. (NJ)

I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent.
Consumer complaint received 2018-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A. (GA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : PNC BANK, NA Account Number : XXXX Date : XX/XX/2014 Amount : {$1900.00}
Consumer complaint received 2021-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is an inquiry on my report that is fraud & I have requested to have this removed without any success. This request was not made by me & again I am asking for this to be removed.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (NC)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-07-26
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. (CA)

On XX/XX/2022, I called transunion to complaint about several unauthorized inquiries on my credit report. XXXX XXXX XX/XX/2022, XXXX. XXXX XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 and XXXX XX/XX/2022. I informed the representative that I had spoken to each of of the companies that made the inquiries and was informed that any fraudulent inquiries needed to be taken up with the reporting agency. XXXX informed me that they had already requested to transunion that their inquiry be removed 3 weeks ago. Transunion has failed to remove these fraudulent inquiries and failed to address my concerns in a timely manner. All the while hurting my credit score and there by costing me more money in paying higher interest rates.
Consumer complaint received 2020-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (KY)

I have a Coinbase account, with a Coinbase " wallet '' and a " XXXX '' in which I store bitcoin. 

The XXXX functions as an additional safety measure, and requires verification from 2 different email addresses prior to authorizing the transfer/withdraw. 

Over the past week, I have been trying repeatedly to transfer the full balance of my XXXX  to my Wallet. The link to my primary email ( XXXX ) works fine. However, the link to my secondary email ( an XXXX account, XXXX ) does not work. Anytime I click the link it tells me that " this action has already been performed '' even though it has not. As a result of this, my money is essentially trapped in the XXXX. Searching the internet, it seems that many other people have had this issue using XXXX/XXXX   accounts, and is a result of the additional security measures these email serves utilize. When I created the account, there was no warning to avoid using these accounts. 

Over the past 2 weeks, I have submitted 5 complaints to Coinbase. All were given an automated response which did not resolve the issue. I finally got an authentic response, and was asked if I wanted Coinbase to manually transfer the money back into my Wallet, and then delete the XXXX. I responded that yes, I wanted this to happen. Even though I responded promptly ( and have the email to prove it ) days later I got an email from them saying that I needed to respond within 48 hours or my complaint would be closed. I replied within 2 hours of receiving this email, nevertheless, I received an immediate response from them saying that my ticket had been closed, and that I needed to file another complaint. 

So essentially, my money has been trapped for 2 weeks, with very disappointing effort from Coinbase to help remedy the issue -- despite multiple attempts on my part. Any assistance you could provide in helping fix this issue would be much appreciated.
Consumer complaint received 2023-03-26
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. (LA)

Hi, I've called TransUnion and all creditors about the following fraudulent unauthorized hard inquiries and negative accounts that are reporting on my credit report. Nothing has been done about it and I did inform both companies that I would be filing a complaint, XXXX 1. Creditor : XXXX  XXXX inquiry date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 3. Creditor XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX, Creditor XXXX inquiry date XX/XX/XXXX 5. Creditor XXXX inquiry date XX/XX/XXXX 6. Creditor XXXX XXXX inquiry date XX/XX/XXXX 7. Creditor XXXX XXXX Inquiry date XX/XX/XXXX 8. Creditor XXXX credit inquiry date XX/XX/XXXX 9. Creditor XXXX XXXX inquiry date XXXX 10. Creditor XXXX inquiry date XX/XX/XXXX 11. Creditor XXXX Inquiry date XX/XX/XXXX 12. Creditor XXXX inquiry date XX/XX/XXXX 13. Creditor XXXX credit inquiry date XX/XX/XXXX 14. Creditor XXXX inquiry date XX/XX/XXXX 15. Creditor XXXX inquiry date XX/XX/XXXX 16. Creditor XXXX inquiry date XX/XX/XXXX 17. Creditor XXXX inquiry date XX/XX/XXXX 18. CreditoXXXX XXXX XXXXXXXX XXXX inquiry date XX/XX/XXXX listed below are unauthorize fraudglent accounts that were opened in my name. 

1. Creditor XXXXXXXX XXXX XXXX  balance {$4800.00} 2. Creditor XXXX balance {$2200.00} 3. Creditor XXXX balance {$58.00} 4. CreditoXXXX XXXX Balance {$18.00}
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I purchased the vehicle in 2018 Ally Auto hasn't been reporting the payments made to vehicle which will be paid off in XXXX it shows my loan is closed when it isn't. They sent me payment hisin which you can view online. I kept vehicle and didn't include it in a bankruptcy in order to build my credit back up but I'm unable because it's not being reported.
Consumer complaint received 2021-06-26
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. (OH)

The following account is reporting INACCURATELY. 

XXXX XXXX  XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-07-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Consumer complaint received 2022-07-26
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. (MD)

I have sent disputes regarding the attached matter and have not been provided the desired remedy nor was I provided specific documentation requested to validate that a proper investigation was done.
Consumer complaint received 2022-02-14
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. (NC)

I asked the company to send me the proof of the verification of these accounts how the were verified and the kept sending me letters of no proof of verification on there part
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

In XXXX I had gone into the branch asked a few questions and had a dispute with a teller. A few weeks later all my accounts were closed, I felt this was an act of discrimination as i was XXXX and owning a small business. When i got the notice i went into another branch to inquire but was not able to get any additional information and was told to redeem my points and start the process of moving my money. After that meeting my credit card was immediately closed and the points that i saved over the years was taken away from me but XXXX points Wells Fargo left for me to redeem
Consumer complaint received 2019-01-11
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. (CA)

I RECENTLY PULLED MY CREDIT REPORT FROM EXPERIAN, XXXX AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT ( BANKRUPTCY -DOCKET NO : XXXX  ) IS BEEN REPORTED IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. THE INFORMATION APPEARS ON MY CREDIT REPORT. THIS HAPPENED BECAUSE OF IDENTITY THEFT. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR BUSINESS DAYS.
Consumer complaint received 2022-07-26
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: TRUIST FINANCIAL CORPORATION (NY)

Hello, I have a credit score of about XXXX ( depending on who is scoring it ). I have been unapproved for several credit cards over the past 10 months. I'm confident it is because of " hard inquiries. '' Or something I'm finding on my XXXX XXXX website from a XXXX, 10 months ago. I called XXXX XXXX XXXX and they said our landlord set it up- which should help me because I pay my rent on time each month. 

I see several inquiries from XX/XX/XXXX. 

XXXX XXXX XXXX XXXX ( Finance ) TRUIST DEALER SERVICES ( Bank ). 

I only allowed the XXXX XXXX dealership associate to make 1 inquiry.

I also see I have an additional 2 hard inquiries from the following dates : XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Consumer complaint received 2019-01-11
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)

There are 2 issues with XXXX XXXX XXXX XXXX : 1 ) I secured a deferment for account XXXX in XXXX of XX/XX/XXXXto ensure that i would be caught up and not 30 days late. However, looking at my report, it appears that i was dinged in XX/XX/XXXX for being 30 days late. This error needs to be corrected as my credit score is dinged because of this late mark.

2 ) Account XXXXXXXX is over 7 years and needs to be removed from the Adverse Accounts on my Credit Reports. The Date of First Delinquency on some credit reports is XX/XX/XXXX and others is XX/XX/XXXX. I can not find a complete list of payments for this account and believe a delinquency occurred earlier. Since XXXX XXXX hides the payment information, i can not find a complete picture on any credit monitoring system. The credit report data i have seen only goes toXX/XX/XXXX In order, to be able to manage my credit i need a complete picture of all payments - that is from XX/XX/XXXX thru XX/XX/XXXX.
Consumer complaint received 2018-11-21
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: EQUIFAX, INC. (GA)

I found a incorrect account on my experian credit report. 
I disputed several times but is still on my credit report. 
Company Name : XXXX XXXX XXXX Account : XXXX Open Date : XX/XX/2012Reason : It is not my account
Consumer complaint received 2022-07-13
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 


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 I have inquiries that I didn't authorized also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-11-21
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. (IL)

I call XXXX XXXX to inform then that i have been a victim of their inquiry issue, and ask XXXX XXXX to deleted the following inquiry. on XX/XX/XXXX at XXXX. I told they do not dispute inquiry. 
XXXX Name of Company Date of Inquiry Type of Business XXXX Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Finance XXXX CARD   Show Details XX/XX/XXXX Banking XXXX  Show Details XX/XX/XXXX Real Estate And Public Accommodation CREDIT INFO  Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX XXXX   Show Details XX/XX/XXXX Finance XXXX XXXX Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX XXXX   Show Details XX/XX/XXXX Miscellaneous And Public Record XXXX Show Details XX/XX/XXXX Oil And National Credit Cards   XXXX XXXX Show Details XX/XX/XXXX Finance XXXX XXXXXXXX Show Details XX/XX/XXXX Banking XXXX XXXX  Show Details XX/XX/XXXX Finance XXXX Show Details XX/XX/XXXX Finance XXXX   Show Details XX/XX/XXXX Finance XXXX  Show Details XX/XX/XXXX Utilities And Fuel XXXX XXXX Show Details XX/XX/XXXX Home Furnishing XXXX Show Details XX/XX/XXXX Oil And National Credit Cards XXXX Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX Banking XXXX Show Details XX/XX/XXXX Finance XXXX XXXX  Show Details XX/XX/XXXX Banking XXXX XXXX Show Details XX/XX/XXXX BankinXXXX XXXX Show Details XX/XX/XXXX Oil And National Credit Cards