davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-17
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. (NY)

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 this account. 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 reportsno consent is fraud. Please remove this fraudulent account : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2023-03-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me.

Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XXXXXXXX XXXX XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX  XXXX XXXX Date opened XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX   Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX  Balance : -.
Consumer complaint received 2020-06-18
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. (TX)

I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, I asked on multiple occasions that XXXX and XXXX AND TransUnion provide ALL THREE of the following : 1. The description of the procedure used to determine the accuracy and completeness of the information. 
2. Name, address, and telephone number of each person contacted regarding this alleged account. 
3. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them XXXX XXXX XXXX XXXX ) the exact amount claimed. 

Unfortunately, they never provided me with this information that I requested, specifically asking HOW they validated this debt. Instead, they keep adding this account to my credit report preventing me from improving my credit report among other financial obligations that I have and am trying to obtain. 

The dates that I sent letters regarding this instance are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They are claiming I owe XXXX and XXXX {$170.00} and reporting on my account, " meets FCRA requirements. '' No, it does not. It can't meet FCRA requirements if you can't validate the debt and show proof. 

If I am not mistaking, the FCRA requires that ALL data reported on a consumer must meet 3 very specific criteria : it must be 100 % accurate, 100 % verifiable and 100 % timely. Since they failed to provide me the information I requested, this is not 100 % verifiable and my credit report and character is being played with.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MA)

I got an email saying that if I made an XXXX purchase, the sender would refund my purchase. I made the purchase, and the sender said that I had to purchase a gift card before I could get refunded. On XX/XX/XXXX I sent {$150.00} through XXXX to an email account the sender provided for a {$300.00} gift card. On XX/XX/XXXX the sender said they ran out of {$300.00} gift cards so I had to buy a {$500.00} gift card, so I sent another {$100.00} through XXXX. Then the sender said this second payment was sent to the wrong email ( I clicked his XXXX profile to send money the second time, I guess his profile was linked to a different primary email ). Then XXXX blocked me from sending money to this contact, so the sender sent me a different email account. On XX/XX/XXXX I sent another {$100.00} through XXXX to this new account. Then the sender said I had to purchase a {$1500.00} gift card. I didn't send any more money, and the sender refused to give me a gift card or refund me money I'd already sent. I reported the three transactions as fraudulent ( couldn't find a way to report scam ) through XXXX 's resolution center on XX/XX/XXXX. On the morning of XX/XX/XXXX the sender threatened to hack my XXXX account if I didn't close the case. On the night of XX/XX/XXXX, I got a response from XXXX that my case was closed and no money would be refunded. The money transferred through XXXX came from my Wells Fargo checking account. I tried to dispute the 3 transactions through Wells Fargo, but there was no option to dispute them.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (TX)

NCS collection vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. 

Alleged debt with XXXX XXXX XXXX has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Consumer complaint received 2022-08-05
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. (CA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX, ACCOUNT # XXXX XXXX, HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 8 STATES THAT I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 2 ALSO SRATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$180000.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX Balance : {$530.00} XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$37000.00}
Consumer complaint received 2023-03-17
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. (PA)

I have already filed a complaint as of today, only one account was deleted from my credit report. I requested all 3 bureau 's to remove 3 accounts total that does not belong to me. They only removed 1. They updated the other two and kept them on my profile. They are aware of the identity theft and also have that note on my profile and still haven't removed the other two accounts. The other two account I need removed is from XXXX and XXXX These two accounts do not belong to me.
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I submitted this complaint AGAIN to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX : {$280.00}.
Consumer complaint received 2023-03-17
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. (PA)

On XX/XX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX  XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXXXXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NC)

on XX/XX/22 I went into XXXX XXXX of XXXX ( XXXX XXXX XXXX, XXXX, NC ) for a consumer credit transaction. a month or so later i began receiving postcards and statements from Santander Consumer USA about an alleged debt owed. I DID NOT AND HAVE NOT ENTERED INTO ANY CONTRACTUAL AGREEMENT WITH SANTANDER LEGALLY GIVING THEM THE RIGHT TO COLLECT ON THIS ALLEGED DEBT. Within 30 days I sent Santander Consumer USA correspondence challenging the validity of alleged debt and put them on notice that this alleged debt was DISPUTED. 
Pursuant 15 USC 1692g ( b ) under the disputed debt portion of the FDCPA it clearly states that " the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' Debt collector did not cease collection NOR did they cease reporting this alleged unvalidated debt on my consumer report which is a violation pursuant 15 USC 1692d ( 1 ). Santander continued to harras me by calling me daily at my place of work which not only gave me anxiety but also interfered directly with my work. Santander sent a copy of a contract I signed with the XXXX dealership which doesn't suffice as proof of a binding contract with Santander. My privacy has also been invaded as a consumer since Santander had absolutely nothing to do with the transaction or contract and have been harassing me daily. 
Santander continued sending their misleading and deceptive forms claiming they are attempting to collect a debt which is violation since they have not provided proper debt validation per 15 USC 1692g ( b ) or 12 CFR 1006.34.

They've recently sent me a " notice of right to cure default '' where they describe the " collateral '' and claim they will exercise their rights which i presume to be a sly way of saying they are going to take my vehicle. This is not only a violation pursuant 15 USC 1692d ( 1 ) + ( 2 ) but also 15 USC 1692f ( 6 ) ( A ) How are they trying to say im in default when in all actuality it is them who are in violation of federal laws by not ceasing collection of debt until they provide me with the proper documentation. 
In closing, id also like to mention that all of the " statements '' I have received are in the positive IE ( amount due now {$1800.00} ) which confuses me as the consumer. AM I OWED MONEY? Why are these statements dollar amounts all in the positive, like when I receive a check? Thats another violation pursuant 15 USC 1692e ( 2 ) ( A ) under false and misleading representations.
Consumer complaint received 2023-03-17
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

Equifax is blocking lenders from pulling my credit report for a mortgage. Two different lenders have tried several times over the last 3 months, always receiving this error message : Inquiry information identified as fraudulent by consumer. When they call Equifaxs business support line, available only to lenders, they are told that I, the consumer, must call the consumer support line. I have done so many times, speaking to many people over the last 3 months, and each time Im told that there is nothing no flag, freeze, block, etc. preventing the lender from pulling my report. They say they know nothing about the fraudulent error message, that only the business support team sees that, and they refuse to allow me to speak with that group. Interesting that one lender was able to get my report in XXXX, but when he tried again in XXXX, XXXX, and XXXX received that fraudulent error message. I am about to lose my home ; I have already had one lender give up and pass me off to another lender because hed reached the end of what he was willing to do, given the constant finger-pointing back from business to consumer support. Please help!
Consumer complaint received 2022-08-04
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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