davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

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 changes to my credit profile. I ask that the items be deleted to correct my credit profile. 

I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the FTC Affidavit. Please delete as soon as possible.
Consumer complaint received 2022-06-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

Venmo froze My account on XX/XX/2022. It is a business account and on Friday, XX/XX/2022 I had use my business account with several people sending me money for products from my business that included note stating what the product was for and it aligns with what my business is listed as on Venmo. The amount frozen is {$2300.00}. They did send me an email asking for my ID even though they already had my XXXX number. I went ahead and took a picture and uploaded it and emailed back. They said it would take 3 to 5 business days when the ID was received for them to look it over and sure that it was me and unfreeze my account. However it has been over seven business days I have called them every day they can not tell me how I have violated their terms. Ive asked for a specific rule that I violated and they just give me the senates we dont want to speculate on what you did. I have told them that I am a business I have a XXXX number. I have been in business for over 10 years I have a website and still they just kept repeating the same thing over and over again. Ive had two people tell me they escalated the problem and it should be done within a few hours and it still is not. They said the only way To speak to those representatives is via email but nobody responds to the emails that Ive sent daily. I have orders do that I can not fulfill Because of my account being frozen for no reason. As of right now Im still waiting on the money Im not sure I will ever see it. They also froze my personal account which has {$160.00}. My business account is fairly new within the last 6 months. However my personal account have been opened for a few years.
Consumer complaint received 2020-11-26
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: Experian Information Solutions Inc. (LA)

On XX/XX/2020 when I submitted a dispute letter for those inaccurate and unknown accounts. over 30 days now haven't received a response. I was a victim of the XXXX  Data breach. I want all those unknown and inaccurate accounts must be delete from my credit report or I will file litigation.
Consumer complaint received 2022-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

so back in XXXX I had my idenity stolen and the frustrating part is they created an account with trans using my middle and sin different address and have applied to a ton of credit so when called transunion when they asked me questions to verify its me I couldnt answer them because they were asking about auto loans and credit cards I dont have I have called them and told them this but they wont listen to me I tired to create an account but I cant verify my identity and I have written in a lot explaing my situation and I dont know what to I need account numbers and everything but I can not get through to transunion they wont listen to me I even tired to email them and no one will help me its been years and I dont know what to do they also credit a XXXX XXXX account and thats linked to tranunion they ruined my life and no one at transunion will help me the thing is theres XXXX credit reports one under XXXX and the other with XXXX and the XXXX one is the one my sin number is actached to so nothing would apear on the XXXX XXXX becasue all loans and credit is under the XXXX XXXX account I tell them is but the just want my first name even after explaing tjhis to them I even asked them to check my sin number and see if theres another account and they refused to do it they havent help me through this and I XXXX about Identity theft and they say to check ur credit reports I can with XXXX but Im not in control of transunion account and for my report with the police and anti ftraud center need account numbers which I have no idea how to get becasue transunion wont listen to me I invited someone over and they have stolen my life and all my info any advice on that? I have talked to so many people and no one seems they can help me I know its rare but I cant be the only this has happens too I XXXX it and I cant find a result the person who has my idenity breaks into my house alot to steal info and he actually took my fraud case folder with all the photocopies of the letts I have sent into fransunion so I dont have proof I have a couple of letters I hid away but not all of them and its been XXXX years I dont know what to do any Im ruined if you know if anyone can help that would be nice do u have adivce? Im attaching some screen shots of my trans profile on line these are the messages I get when I sign in they cant verify my identity and I paid to get my score and they couldnt show me it and it showed me was the graph but Im not sure what it means the report wont let me look at anything explain why I called and told them all this about the messaes I get and they dont know what to tell me even after I explain my situation they dont even acknowlege my dispute they focus on the account that cantt be verified not the one thats attached to my sin number
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX hard inquires XXXX XXXX Requested On XX/XX/XXXX & XXXX XXXX XX/XX/XXXX, fraudulent address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX fraudulent telephone number XXXX, a Fraudulent bankruptcy USBK COURT DELAWARE XXXX XXXX XXXX XXXX XXXXXXXX Date Filed XX/XX/XXXX, a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card opened at Capital XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have been trying to get this removed from my credit report as this is not mine. I have requested verification that this is my debt and they continue to send me responses that they have verified my debt but it is not mine. I have sent 5 letters and I do not know what else to do. They can not produce anything with my signature on it and no contract! This is not my account and it is reflecting poorly causing a low credit score and I need help getting this 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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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 2022-04-05
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. (AR)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX AR XXXX XXXX XXXX
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
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: Experian Information Solutions Inc. (TN)

inquries XXXX XXXX  XXXX, XXXX  XX/XX/20 XXXX  XXXX, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, THESE ARE HARD INQUIRIES DAY Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion 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
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: VELO LAW OFFICE (MI)

This a complaint regarding Velo Laws Practices, On or about XX/XX/XXXX Velo law had called stating that they had served a subpoena and were following up to make sure that it was recieved. The next day a subpoena was filed with the court. Being a collector for XXXX XXXX  for many years i was quized on what Misrepresentation was and this practice is intentional and blatent misprepresentation. A month later they attempted to serve a subpoena on a XXXX party that has nothing to do with the company i work for, he is not an employee, an XXXX, a XXXX other than preparing the paperwork 10 years ago to incorporate the business he is in no way shape or form a valid person to share information regarding my debt too. This is a clear violation of the Fair Debt Collection Practices Act. I called them on a recorded line onXX/XX/XXXX and informed them that i was filing a complaint and now they will not speak with me and after 3 times they hung up on me. 
I understand that money is owed however i was accountable as a collector to follow these laws regarding consumers information and who I am allowed to share it with, if they are trying collect they need to follow the law. It is clear in mcl compiled statues regarding subpoenas and garnishments they are required to serve an officer of the company. they served essentially my neighbor down the street and informed them of my debt, the amount, what it was for and where i was working all of these violate grahm leach bliley act as well.
Consumer complaint received 2020-11-26
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. (TX)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (NJ)

I notified synchrony bank that this was Freud months ago regarding this account. They were supposed to talk to my son and I talk less the lady a message and they never called my son back. And this was a fraud account that Im not responsible for putting collections I am not responsible for this at all
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as XXXX XXXX determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
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. (NC)

In accordance with the Fair Credit Reporting act 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
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: AMERICAN EXPRESS COMPANY (TN)

I received an American Express credit card for XXXX XXXX, XXXX XXXX at my address. 

There has never been a person by that name who lives here and the business name is for a closed business in our same town. 

Am Ex said this is a renewal of a company paid credit card. The prior owner of our home worked for the now defunct business. 

I want to ensure no one is trying to use my family as fraudulent card holders. 


I would like to have this possible fraud entered into our files to ensure lenders are aware of this problem. 

Put notice on the 3 credit Bureaus noting that XXXX XXXX, XXXX XXXX, and XXXX XXXX do not have anything to do with our address
Consumer complaint received 2024-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2022-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NY)

I was measured by a tailor in the USA for a custom suit to be sent from XXXX for {$650.00}. The suit had a defect in material and was very ill-fitting and impossible to wear. I had a suit made from the same company more than ten years ago, was completely satisfied and wore it to the appointment for measuring. I asked the merchant to send prepaid return label as it would cost me at least {$100.00}. to send it back. Merchant said no. I asked Citi Bank to dispute the charge. We went back and forth with credits and reversals over the course of many months. Citi finally says no because I supposedly signed something with merchant saying I will responsible tor return charge. I only recall signing the credit card authorization. Citi resolution team suggested that they did not receive pictures that I sent them and that pictures were not necessary The picture would show defect in the material and this would be a valid reason for a credit.