davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
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. (HI)

In the last 2 month, 2 negative accounts were put on my credit reports as delinquent. I immediately filed disputes with all 3 credit bureaus. TransUnion and XXXX removed both accounts from my credit reports as soon as I filed the disputes. XXXX took about a month but they also removed the accounts from my credit report. As of today the creditor has now fraudulently changed the opened dates and re added them back to my trans union credit report. 1 of the accounts was opened in XX/XX/XXXX, and the other opened in XX/XX/XXXX. The first reported delinquency for both accounts was on XX/XX/XXXX. They have now changed the first reported delinquency to XX/XX/XXXX. This is fraudulent and inaccurate. These accounts are over XXXX XXXX XXXX, and the first reported delinquencies happened over 18 years ago. they also fraudulently removed the original loans starting dates from my credit report, to make it look as though the loans were more recent than they are. Ive tried to get Trans union to re remove the accounts as they did 2 months ago for being too old. Ive tried resolving it with trans union. Ive filed disputes and wrote emails explaining how old the accounts are, with no success. As stated in the Fair Credit Reporting Act Collection agencies can not report old debt as new.

If a debt is sold or put into collections, that is legally considered a continuation of the original date.

It may show up multiple times on your credit report with different open dates, but they must all retain the same delinquency date. This is very frustrating how much time Ive had to spend trying to get accounts removed from my credit report that legally should not be on there. I feel like the companies system is broken, and they do not simply look at the information that Ive presented to them. If they did, they would clearly see that these accounts are too old to be on my credit report. I hope that the company will follow the law and remove these 2 accounts from my credit reports. Thank you XXXX XXXX - Original debt holder - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/2022, I was alerted by XXXX that a credit report inquiry had been completed in my name. Upon researching, it was discovered that a credit card had been opened in my name through USAA. After making a credit report dispute with XXXX, they suggested that I call the bank. On XX/XX/2022, it was found that there was an {$8.00} balance on this credit card and I reported the fraud to USAA. I was told it would be investigated, and that someone would reach out to me with information. No one has contacted me. I have called them on several occasions, noting that I have not been contacted and expressing concern that this card was still active. I continued to receive alerts from XXXX that my credit score was dropping. I spoke with someone in XXXX and was told that the card had been flagged and investigations are usually concluded quickly once reported. This was the second or third time I had reported the issue. On XX/XX/2022, I received another alert from XXXX. I was able to speak with XXXX at USAA who informed me that the card is still active and charges are still being placed on it despite having been flagged as fraud and being open for investigation. This fraud was reported in XXXX, it is now XXXX and now over {$4000.00} has been charged to this account which is not mine. I am not even a member with USAA, nor have I ever been. After speaking with USAA on XX/XX/XXXX, they have informed me that despite my calling and reporting multiple times, the card will continue to be active and they can not shut it down. It has only just now been suggested that I complete a credit report dispute with USAA. I have now completed this form, but it took over a month to even suggest it be completed. I have discovered through XXXX ( USAA said they couldn't verify ) that this card has a {$15000.00} limit and the balance keeps rising. USAA has known for almost six weeks and has done nothing to stop this fraud despite having multiple notes in their system stating that I have called multiple times to flag the account as fraud.
Consumer complaint received 2022-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CLGF Holdco 1, LLC (FL)

On a XX/XX/2022 and again on XX/XX/2022 a company called " Genesis Financial Solutions '' withdrew money from my bank account with no authorisation or remit to do so. 
Both transactions were underwritten by a company called " XXXX ''. 
I was able to stop payment on the fraudulent transaction dated XX/XX/2022 with my bank. However I was recovering from major surgeries and missed the XXXX transaction. 
I have contacted both XXXX and Genesis Financial and neither company are prepared to assist in any way, despite having given both companies all the relevant information and attempted to lodge fraud complaints with them. 
Genesis are the final recipients of the stolen money, but they were facilitated by XXXX. 
I have attached screen shots of the two transactions but I am unable to provide any more information as that is all I know. 
This is clearly fraud, and I would appreciate any assistance in not just recovering the stolen money, but ensuring these companies can not merely steal money from apparently random accounts on a whim.
Consumer complaint received 2021-09-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Ive contacted all 3 credit bureaus regarding disputing this account and provided supporting documents and the outcome wont change. Im being told that the creditor verified the information they have is accurate which isnt which shows that the credit bureaus arent doing their job.
Consumer complaint received 2020-11-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

I saw a collection account appear on my report for all 3 bureaus, furnished by Southwest Credit Systems, and I have NOT received any debt validation letter, nor have I received ANY notice detailing my rights to a dispute for this debt. This appeared on my reports randomly without ANY notice.
Consumer complaint received 2020-11-02
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. (TX)

I have been writing Experian every week for the past eight weeks in regard to incorrect information they are reporting on my credit report. To begin with, Experian is reporting nine variations of my name that are incorrect. Furthermore, Experian is reporting an incorrect address, and employment information. I sent Experian a copy of my passport, photo ID, social security card, along with a letter asking them to correct this information. In addition, there are a few accounts being reported under different names that don't belong to me that Experian wont remove. Imagine seeing an account that does not belong to you on your report that is weighing down your credit score? You become anxious for it to come off because you feel wronged. Experian has been sending me stall tactics for the past three months. Today i received a letter that said hat they still have not removed the fraudulent information but they decided to close the investigation and " update '' the accounts. The irony is the update did not " update '' any information. The accounts are still on my report, Experian is acting like i did not ask them to " delete/remove '' from my report. Experian is breaking the law by reporting incorrect information on my behalf and they need to held accountable.
Consumer complaint received 2020-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (LA)

In XXXX XXXX, I was a victim of identity theft, where my information was used to open or try to open multiple energy accounts with various companies across the State of Texas. XXXX XXXX allowed someone to open 2 accounts in my name with one account accruing {$700.00} in charges and the other accruing {$690.00}. When the accounts were not paid they were sent to Transworld Systems Inc, which reported them to the various credit agencies. On XX/XX/XXXX, was when I was informed of the collections through XXXX. I contacted Transworld Systems Inc and informed them that this was identity theft and that I had previously filed a police report and FTC report regarding my information being used to open energy accounts in Texas. Transworld Systems Inc informed me to submit the reports, along with any other information to them regarding identity theft. I submitted all documents to Transworld Systems Inc on XX/XX/XXXX, along with copies being certified mailed to them. I contacted Transworld Systems Inc the following week to inquire about the accounts and solutions and their response was that their hands are tied until XXXX XXXX can look into the matter. I explained to them that they keep reporting these collections weekly to the credit agencies causing my credit score to keep going down. At the end of XXXX, my credit score was XXXX and now my credit score is XXXX and continues to fall due to weekly reporting of this collection.
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (FL)

Why are large companies allowed to lie about derogatory reporting data to credit bureaus without proving their case? I proved my case with the bureaus and STILL they allowed XXXX XXXX  XXXX XXXX to dinged my record for a 30 days late. My payment history also tells the truth, never late for 10 years in business with XXXX, but thats not worth anything to these companies?!? Its wrong that large companies like XXXX can affect credit scores without PROOF of late payments and credit bureaus refuse to hear both sides automatically siding with big business and NOT induvial working class?!? Look at my payment history and do your job in finding the actual fault! 

Also, why can credit bureaus offer a better score if you pay them money? My credit score should stand on it own and NOT be manipulated by credit bureaus for PROFIT! These companies have the power over my financial records and are allowed to operate for profit margins, how is that legal? What government agencies are getting kickbacks for allowing this unconstitutional behavior? This is criminal
Consumer complaint received 2022-06-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have submitted disputes to you and did not get a response from you within 30 days. Yall are required by law to do so. Please I investigate my disputes. Thank you
Consumer complaint received 2022-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have submitted disputes to you and did not get a response from you within 30 days. XXXX are required by law to do so. Please I investigate my disputes. Thank you
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (MN)

Hi, I'm disputing a hotel charge from " The XXXX XXXX XXXX '' booked on XX/XX/2022 for {$770.00}. Our actual scheduled stay was for XX/XX/2022 through XX/XX/2022. 

My wife and I booked a 3 night stay for our honeymoon but had to leave before staying the first night due to black mold/no AC in our room. We stayed zero nights in the hotel and had to book new lodging last minute after traveling for 24+ hours. 

After our honeymoon, I tried contacting the hotel and received little to no response via calls and emails. I then tried a dispute with my credit card Citi bank but they said I needed to contact the hotel. I tried to contact the hotel again but again no response. 

Can you help us out? This put a huge damper on our honeymoon.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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

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
Consumer complaint received 2021-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MT)

I received a letter from XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, attempting to collect a debt in the amount of {$740.00}. It stated that I had a XXXX XXXXXXXX XXXX  credit card with account number ending in XXXX and as of XX/XX/XXXX I owed {$740.00}. I have never had a XXXX XXXX XXXX  credit card, so I was alarmed to receive this letter. I called and spoke with a representative who informed me that the credit card was opened in XX/XX/XXXX. The letter listed Reference # XXXX. 

I then received a letter from Resurgent Capital Services, Reference ID : XXXX. It stated that in order for them to further investigate my dispute, I needed to provide additional documents. On XX/XX/XXXX, I filed a police report with the XXXX Police Department. Report # XXXX. The Identity Theft Passport number assigned was XXXX and a copy of the report is on file with the XXXX Attorney General 's Office. I faxed a copy of the police report to Resurgent Capital Services on XX/XX/XXXX. I received notice from Resurgent Capital Services that they did not approve my dispute. 

On XX/XX/XXXX I faxed a notarized Identity Theft Affidavit, another copy of the police report, identity theft letter and passport, as well as a letter stating that I am disputing the credit card charges because it is not my debt. According to the documents mailed to me by Resurgent, the credit card was opened in California and also used in California. I have never lived in California, and was not traveling in California during the dates the card was used. My credit score has been impacting severely because this debt continues to show as an unpaid balance each month. I have reached out to the XXXX credit bureaus and placed a freeze on my my credit. It has been emotionally taxing to watch my credit score drop from excellent to good to currently fair. I would like to see Resurgent Capital Services acknowledge that I have been the victim of identity theft and remove this debt from my credit report.
Consumer complaint received 2022-06-11
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. (TN)

inqurieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud
Consumer complaint received 2022-06-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I have already filed a complaint on Transunion over gross negligence with regard to my credit score. Rather than answer the question they mailed me an application to get my credit score. I will attempt to simplify this for the A.I. that apparently reads their complaints. I AM NOT ASKING FOR A CREDIT REPORT OR A CREDIT SCORE.

The Original Complaint Asks Transunion To Explain Why did you tank my credit score XXXX points rather than the standard XXXX points recently? 

History I have NO blemishes on my credit report that would explain such a drop. XXXX and XXXX dropped my score the standard ( and expected ) XXXX pts when I applied for a second card. NOT XXXX Points. 

I deserve an explanation for why you ruined my score. Even credit advisors can not explain this to me. I have also attached two reports from XXXX XXXX showing the impact on my score with both TransUnion ( destroyed ) and XXXX ( still very good )
Consumer complaint received 2023-06-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am filing this complaint because I have requested validation and verification of inaccurate items that I have noticed. Letters were mailed on ( ALL DATES ) and as of today I have gotten no response! It is the bureaus practice to investigate and give a resolution within XXXX days. This has notbeenthecase.
Consumer complaint received 2022-06-11
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act, the three major credit bureaus of XXXX, XXXX, and Experian, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( XXXX, XXXX, Experian, or XXXX XXXX ) permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act, the three major credit bureaus of XXXX, Transunion, and XXXX, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( XXXX, Transunion, XXXX, or XXXX XXXX XXXX permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.
Consumer complaint received 2022-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I worked with XXXX and has 2 accounts with XXXX XXXX removed from my credit report. I now have 2 new credit cards with XXXX XXXX in good standing. All of a sudden Portfolio Recovery started collecting on a XXXX balance which I never owed to XXXX XXXX. I never received a notice to dispute. It was just on my credit report and then I started to get a ton of calls. They said well we bought it and you owe it. That was that. Is this even legal?
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

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.

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.