davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
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. (CA)

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.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-09-05
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. (AZ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. XXXX XXXX ( please see attachments ) This account attached to the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed. This account was removed by both XXXX and XXXX, however Transunion is still reporting this inaccuracy to my credit profile. Please see attachments that I sent in last month with the FTC report, Police Report and copy of the most update report by XXXX. I expect this account to be updated and removed from Transunion within XXXX hours. Thank you
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-09-02
Product: Credit reporting 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. (MN)

I am writing to notify you that I have fallen victim to identity theft, resulting in multiple fraudulent entries on my credit report. These 9 unauthorized accounts and 8 inquiries were added without my knowledge or consent. 

ACCOUNTS - XXXX Account # : XXXX - XXXX XXXX XXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX - XXXX XXXX Account # : XXXX - XXXX XXXX Account # : XXXX - XXXX XXXX XXXX  Account # : XXXX - XXXX XXXX  Account # : XXXX - XXXX XXXX Account # : XXXX INQUIRIES - XXXX  XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX I have filed a formal report with the Federal Trade Commission ( FTC ) concerning this identity theft and now urgently request the immediate removal of these fraudulent items from my credit report.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (AZ)

As power of attorney for XXXX XXXX XXXX I made car payments from his bank page think it was going to XXXX XXXX. I did n't realize that it was in fact still linked to GM Financial. He had a loan with then XX/XX/XXXX and the car was paid for. I sent XXXX They returned XXXX payment for XXXX. However following payments in the amount XXXX and XXXX were made upon receiving letter from wells that said he was behind XXXX so I paid what I had on hand knowing that I had just sent XXXX. It was never received and I have been trying since XX/XX/XXXX to get the money back from GM. Apparently they had and old address on file. I call in XX/XX/XXXX to find out what was going on after his bank said they could n't retrieve them money I would have to call GM. I was told they would update the account and issue the check. On XX/XX/XXXX I called again as I had not received checks as per first call it would be XXXX. I was told then they would put in request again and someone would call the following Mon. XX/XX/XXXX. I called again today XX/XX/XXXX cause there were still no checks in the mail. I was told they were waiting on another department to return email and they could n't give me a time frame someone would get back to me. When I asked to speak to supervisor I was transferred to XXXX XXXX 's voice mail with no estimated time of call back. At this point they have till Wed end of business to give me time line or I 'm going to court and charging interest and penalties in accordance with Arizona law they can pay court fees and whatever else the court deems fit.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is really frustrating, my requests to correct and remove false and inaccurate information on my credit report keeps getting denied and disregarded. As a consumer, I know I have rights and that very right is being violated with what you guys are reporting on my credit that are not the maximum possible accuracy. It's hurting my XXXX XXXX and impacting my life negatively, it's stressing me out.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Im really disappointed to see unauthorized inquiries on my credit report this afternoon, and I have no idea why. When I checked my credit report, I was shocked to find discrepancies that hadnt been there before. I even tried refreshing my browser, thinking it might be a glitch, but the inquiries didnt disappear. I ask that you review the documents Ive sent with care, so I can finally stop worrying about this issue.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I received the letter with my dispute results from your Agency and I need to know WHY these accounts are still remaining and they are claiming they have been verified. Thats impossible because these creditors are denying any record of a dispute from their company! I am maintaining a careful record of my communications with your Agency for the purpose of filing a complaint with your agency.

15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy
Consumer complaint received 2024-09-04
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-04
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. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (AR)

Over the past 2 years, I have had multiple problems with the inaccuracies associated with TransUnion and their less than stellar bookkeeping. Most notably, on XX/XX/year>, I went to XXXX XXXX XXXX to purchase a used car, and the *Dealership* ran my credit to look for suitable creditors that might lend me money for the purchase. There were XXXX total banks and other institutions that were attempted on this singular day, and TransUnion continues to list them all individually as different credit requests by me, even though all were made, by the dealership, on the same day, for the same purpose, within the XXXX week window to be counted as a single credit request. 

All I ask is that TransUnion act legally and cease reporting that I have " excessive '' credit requests when it is their faulty bookkeeping that is truly the issue.
Consumer complaint received 2024-09-04
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. (CA)

My information has been exposed in the XXXX data breach. The following accounts, and inquiries are not affiliated with me nor are they authorized by me XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  XXXX Balance : {$6700.00} XXXX XXXX  XXXX Balance : {$32000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MT)

Please be advised i have written XXXX letters to Experian asking them to delete accounts that are unverified. 
Despite XXXX written requests, the unverified items still remain on my credit report in violation of Federal Law. My understanding is, the FCRA requries them to have a copy of the original creditor documentation on file to verify that the information is mine and correct. In the results of thier first investigation and subsequent reinvestigations they stated in writing that they verified that the items are being reported correctly and that they will no longer investigate my accounts that I asked them to delete, if they are unverified. ( I listed what accounts they were. ) They have not provided me information who verified these accounts, they have not provided me a copy of ANY original documentation- ( a consumer contract with my signature on it ) as required unnder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

I have listed the accounts that I asked to get verified multiple times, in XXXX different letters, and they refuse to delete the accounts or provide me any method of verification, or my signature. I believe they are violating my Civil Rights! 
The accounts they refuse to remove are XXXX, and XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX ( XXXX ) XXXX Dear XXXX, I XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your burial. the amount owed are no longer outstanding for the following items party owed XXXX XXXX  amount {$1200.00} XXXX XXXX amount {$320.00} XXXX XXXX  amount {$350.00} I am disputing this claim i have no knowledge of this and I'm requesting that it be removed immediately. this is my official request
Consumer complaint received 2024-09-04
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. (GA)

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under trafficking according to XXXX debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-15
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MS)

I have been banking with wells fargo for about 3 years. I have had constant problems with their services. Starting in XXXX 2016, they claimed they investigated XXXX and refused to give me back my XXXX deposit for the rental car. I had to contact the attorney general in XXXX to get my money back. This month, they claim I do not have online banking, I am XXXX or something close to that in the negative in my account. I can not access my account anymore online so I can figure out what charges should be there and what charges should n't be there. I am currently stuck in XXXX, XXXX because of wells fargo. I have received several e-mails concerning this matter about my account. I told wells fargo to notify me when my account reaches below XXXX. I only receive maybe XXXX e-mails concerning this account. XXXX XXXX in XXXX, XXXX-XXXX XXXX XXXX down from the XXXX XXXX XXXX hospital claimed I was already in the negative when I arrived in XXXX, XXXX now another bank in XXXX, XXXX downtown area near the county courthouse claimed it was when I took out the XXXX from account in XXXX at a wells fargo account that made my account in the negative. I just trying to figure out what should be refunded on my account and what should be charged on my account.
Consumer complaint received 2024-09-04
Product: Credit reporting 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. (GA)

This letter serves as a formal demand for the immediate removal of unauthorized hard inquiries that have been reported on my credit report. Upon reviewing my credit report, I have identified the following inquiries that were made without my knowledge or consent XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XXXX XXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit reporting agency may only furnish a consumer report under specific circumstances, including when the consumer has given explicit authorization for the inquiry. I hereby assert that I did not authorize any of the above-listed entities to conduct a hard inquiry on my credit report. As such, these inquiries are unauthorized and must be removed immediately.

Failure to remove these unauthorized inquiries may constitute a violation of the FCRA, and I am prepared to take further legal action if necessary, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me under federal and state law.
Consumer complaint received 2024-09-04
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. (NC)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2016-11-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Choice Recovery, Inc. (OH)

I received a notice from a collection agency called Choice Recovery. I called and let them know that my insurance company is a contracted provider with the company they are collecting for and that my insurance company had paid and I was n't responsible for the {$890.00} amount they were collecting. 
I was told that they have to rebill my insurance company but that I may still be liable. I tried to explain that they are n't allowed to try to collect on a claim that was paid or denied through a participating insurance company as I had {$0.00} responsibility listed on my EOB. 
I called again this morning and let them know that I was going to follow up with my HR department and insurance company as they were n't following guidelines by threatening to send me to collections if I did n't respond within 30 days to their letter. I spoke with XXXX XXXX who told me that it did n't matter what my insurance company stated I owed them. 
I feel that this is a scare tactic and is an illegitimate way to collect money that is not owed to them. I wonder how many elderly or less informed consumers have paid them monies that they are not owed.
Consumer complaint received 2024-08-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (AZ)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2016-08-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: WELLS FARGO & COMPANY (GA)

i use my credit card tp purchase airline travel an hotel, the agency mess up and admitted to the wrong doing, my bank gave me the money back and did n't pursue the money from the agency like they told me they would. now i am stuck with XXXX in fees.