davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-23
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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

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

-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-12-24
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)

XXXX is reporting my husband 's delinquent credit card account as mine even when they know the report is false. In XXXX my husband opened a credit card in his name alone. I knew nothing of this new account until XXXX when my husband was in the hospital and he asked me to pay the household bills, which he always did. When I opened the XXXX billing statement from his mail, I called them to ask why his balance was twice the credit limit. I was told that my name was NOT on the account and they can not give me any information. My husband then gave me his online username and password so I can make electronic payments for him. My husband later told me that he opened the account online and was absolutely certain that he was the only account holder and he never listed me as joint/secondary. He called them inXX/XX/XXXX to ask them to stop reporting my name as joint account holder and to take it off my credit report, but they refused ; he then demanded a true and original copy of the credit application showing my name or signature electronic or otherwise, but they never provided it. I sent them a letter demanding the same with no response. I disputed the {$6900.00} account with Experian 3 times and XXXX  2 times with the same reason state above, but the account still shows on these reports. It is absent from my attached XXXX report that I pulled on XX/XX/XXXX. They told my husband that they will only erase the entry from MY credit reports if he pays the charged off account in full. 
Please note that my husband and I have a different XXXX  secured credit card with a limit of {$300.00} that is joint ownership.
Consumer complaint received 2021-07-17
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)

Hello my name is XXXX XXXX and I am writing this complaint to inform you guys that my personal information was affected by the Equifax data breach and the accounts that I am attaching bellow are fraudulent accounts and and needs removal from my credit report. I've tried endlessly by notifying the credit bureaus of the issues at hand and how it has been a major hinderace in the growth of me building my credit. In result, I was pointed into this direction to get this issue that has been affecting my life resolved.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses that should be deleted are XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-03-14
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. (VA)

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. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX All of the listed accounts has violated my rights. 

Please also be advised that some of these accounts are listed under my former name XXXX XXXX XXXX and my new legal name is XXXX XXXX. 

They violated the following : 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 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX The CORRECT Address is XXXX XXXX XXXX XXXX, GA XXXX. 


I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 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. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/22 I tried to send a {$350.00} XXXX  transaction to my friend but Truist sent me a message saying that the transaction did not go through but took the funds out of my account and will not give me my {$350.00} back. I have called Truist everyday but no one will help me nor will they put a supervisor on the line so I can take care of this. Ive been left on hold by an agent name XXXX and she never returned to the line for 1hour and 30 mins. Ive called in and asked to speak to a supervisor and was transferred to the beginning of the Q to wait another hour by and agent name XXXX. They have the worst customer service ever. Ive never experienced anything like this before. They will not give me my funds back and not sure what else to do.
Consumer complaint received 2023-03-29
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. (NJ)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Patient Accounting Service Center (AZ)

Good Afternoon, I have received a collection notice from a company called ARSTART. I have made multiple reasonable attempt to make payment to these people however they do not provide any dates of service, any means of reasonable secure payment and also they do not provide any means of payment receipt. I have asked repeatedly for an email address so I can communicate with them in writing and they stated they do not provide any email addresses. This seems like a extortion for money. Upon further research there have been many lawsuits and investigations on this company with regard to medical fraud and also to extortion tactics on the elderly. 

Please let me know what other information you may need for me. Thank you for your time
Consumer complaint received 2018-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: ALLY FINANCIAL INC. (VA)

XXXX XXXX as Car Dealer has done hard inquiries on my name without my permmission to : XXXX XXXX XXXX on XX/XX/2018 Ally Finance on XX/XX/2018 XXXX XXXX on XX/XX/2018 XXXX   on XX/XX/2018 Other ... 
XXXX XXXX on XX/XX/2018 XXXX XXXX on XX/XX/2018 2018
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.
Consumer complaint received 2023-03-29
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. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2023-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX 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 accounts. 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 2023-08-18
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: CITIBANK, N.A. (PA)

Two fraudulent accounts were opened in my name and approved through Citibank. One was for a home depot credit card and the other for a best buy credit card. After talking to Citibank, I found out some concerning information that should have been a red flag for them to deny the application. The bad actor/s had a birth year of XXXX. I was born in XXXX. No one forgets what year they were born. The other concerning thing is that the address they used to apply was somewhere in XXXX, Michigan. I have lived in XXXX XXXX, PA since XXXX and I still reside there to this day. I've never even visited the state of Michigan, let alone moved there. So far, only the home depot account has been reported as a new account opened in my name. I know the best buy account being opened will probably be coming next. I only knew of this b/c on XX/XX/XXXX at XXXX at night I looked at my XXXX  account and it notified me that 2 hard inquiries dropped my XXXX XXXX. When I investigated it, it led me to Citibank. I contacted them soon as they opened up on XX/XX/XXXX. Today, a new posting of the account appeared and dropped my score XXXX more points! Yes, Citibank is investigating but they are not moving fast enough. At least they could move at the same speed they carelessly authorized criminals to make purchases through my hard earned XXXX XXXX. So far, I have have contacted Citibank, XXXX, and XXXX. XXXX stated they would alert XXXX and XXXX for me so I didn't have to make an additional call.
Consumer complaint received 2021-09-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I filed a dispute with XXXX in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2020-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

Hi my name is XXXX XXXX. I have a guitar center synchrony credit card that when I opened the card four and a half years ago had a XXXX dollar limit on it. On XX/XX/20 checked my card to see how much I had available on the card to make a purchase and saw Synchrony bank dropped my credit limit to XXXX dollars. I tried calling them to see if there was anything we can do to restore my credit limit and was told there was nothing they were willing to do. Ive been on good standings with all my accounts. I never maxed out that card. The most I put on that card was XXXX dollars and the card has been paid off for some time now. I dont find this to me fair and would like to put in a complaint. Please email me back about this when you get a chance. My email is XXXX or call me. My number is XXXX. Thank you and have a good day.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2022-09-15
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: BARCLAYS BANK DELAWARE (CA)

What happened? 
Fraudulent activity on credit card ending in XXXX - Many attempts to resolve this issues- so many calls and two packets of information that were sent to Barclays. Managers do not return calls - the representatives keep stating it will be 10 days to resolve. It has now been almost 6 months and Barclays has admitted responsibility. 
Notified Barclays, submitted all supporting documents and followed up per the request of Barclays After of period of 5 months, they have still not resolved the issue. 

Company Name : Barclays XXXX XXXX XXXX XXXX, Delaware XXXX XXXX Action : Barclays Response XX/XX/2022 Internal team at XXXX began XXXX error in credit card statements XX/XX/2022 Internal investigation on-going XX/XX/2022 Called Barclays Barclays provided steps to submit claim XX/XX/2022 Received confirmation that packet was received XX/XX/2022 Called XXXX for status update XX/XX/2022 Received notice stating that we would receive full credit except for XXXX charges XX/XX/2022 Received payment of {$73000.00} XX/XX/XXXX Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Received notification stating investigation is still pending XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update XX/XX/2022 Called Barclay for status update Sent another packet of past What amount : {$170000.00} What would be a fair resolution? To refund all monies that are deemed fraudulent What have we done to try to resolve the issue? - Multiple calls and letters were sent to the Barclays investigation department. This has been very upsetting.
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Neon Newco Corporation (CO)

I've had identity theft starting at the end of XXXX  too. I've had multiple unauthorized charges through multiple and various institutions of mine. 
A few of the disputes were warded in my favor but also noticed that if the denominations too high companies like transact, not spend all the sudden, close down the whole account and say that the dispute 's not my favor and what's funny is that I've gotten one within under 12 hours the. Case was opened and then closed and found out my favor only cause the examination was like {$1900.00} and that was through XXXX XXXX for a company that's something. Thing like XXXX XXXX, something and their excuse. Was that that type of transaction seems to go with my type of spending history which is complete b? S it was because somebody didn't want to pay back almost {$2000.00}. And I've never seen a case open and close with the fact-finding that quick ever so transact. Net spend XXXX XXXX XXXX. I believe we're all in on this because it seems like they only want to take care of the small disputes of like {$20.00} an under and anything over that. They say that it's not in my favor which I've been awarded in my favor. 
For certain company like once then. But then they don't do the other 5 transactions for the company. I mean, or the other car institution will deny it completely one another institution. Has said in their findings that it was fraudulent. How can the company find something in your favor and then not find something in your favor with that? Same merchant that was on authorize. That makes totally no sense. Whatsoever never done business with most of these segments. And I'm definitely not going to spend {$1900.00} at a baby store. When I don't even have a baby or be married or a girlfriendi have multiple multiple transactions all through XXXX XXXX XXXX that have not been resolved and go to banks another one of them also