davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-08
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. (CA)

Several attempts were made contacting XXXX in order to fix a reporting error on two closed accounts that were charged off because they became considered taxable income under certificate of indebtedness, and, as income, those two accounts CAN NOT be reported on ANY consumer credit Bureau, including XXXX. Several attempts were made to fix these errors by deleting the two above-mentioned accounts but to no avail.
Consumer complaint received 2024-11-08
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. (CA)

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-08
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. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to file a formal complaint against XXXX XXXX for reporting false information to the credit bureaus. I had a credit card account with XXXX XXXX for a few years that was never late and never missed a payment. XXXX XXXX made an offer for me to join a program where I could pay off my credit balance off at 0 % APR with no fees added to the account with a low monthly payment and if I was to enroll in this program I would agree to close the account. 
I agreed and enrolled. The account closed and when reporting to the credit bureaus, it reported the account as closed, and the remarks on the account was account closed by consumer. This account has been closed for a few years now which is regular updating to the credit bureaus of payment history, but until recently XXXX XXXX updated the remarks on this account from account closed by consumer to account closed by creditor, which is not true. Ive asked XXXX XXXX several times to update XXXX XXXX did update it, but then switched it back. XXXX XXXX has updated this account with remarks three separate times and each time the account is updated to the correct information. Its it automatically goes back to reporting and accurate information. This is affecting my credit score drastically please resolve this immediately.
Consumer complaint received 2024-11-08
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. (TX)

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 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Consumer complaint received 2024-11-08
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. (WI)

I need your help to address the incorrect account that is appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your support. Please remove these accounts as they have been inaccurately and negatively reported.
Consumer complaint received 2024-11-08
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)

I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous anxiety.
Consumer complaint received 2018-05-02
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. (CA)

To who it may concern : XX/XX/XXXX My name is XXXX XXXX. I had an account with XXXX XXXX XXXX XXXX for a couple of years and I paid it off on XX/XX/XXXX, in full. 
This account continues to damage my credit however. It is reporting as negative and that it was opened or closed on XX/XX/XXXX which is incorrect. 
I lost my job during which time I was late on a couple of payments. I always called and stayed in communication with the company and eventually paid it off. I was told at the time that it would not affect my credit and I believed them. 
I initially purchased my car in XX/XX/XXXX, yet this is reporting negatively to this day. It has been 9 years! 
Please help me. I need the account to show in good standing. There is an error in the reporting. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX
Consumer complaint received 2024-11-08
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Account Number # XXXX I am writing to formally dispute the above-referenced account in my credit report, which has been reported as Verified. I firmly believe that the account is inaccurate and requires immediate investigation and deletion, if necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have requested that the send me of they were able to verify that this account belongs to me, and how it was accurate. The bureaus XXXX, Transunion, and XXXX have yet to deliver the information that I requested. 


As per the FCRA, 15 U.S.C. 1681i, the credit reporting agencies have the obligation to conduct a reasonable investigation into the disputed information within 30 days of receiving the dispute. Additionally, under the FDCPA, 15 U.S.C. 1692g, I have the right to request validation of the debt, which should include verification of the original creditor, the amount owed, and the date the debt was incurred.

This debt is not mine and I have no contract with this company, and they have not provided any proof.
Consumer complaint received 2024-11-08
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. (CA)

The accounts listed on my credit report are inaccurately classified, with statuses that do not reflect their true standing. Some accounts are showing as delinquent or in collections despite being resolved or paid in full. This misrepresentation is affecting my creditworthiness, and I request a review and correction by removing these entries.
Consumer complaint received 2024-11-08
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)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2018-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

XX/XX/XXXX : My wife deposits a security deposit return check from her landlord. It was accepted by her bank. 

XX/XX/XXXX : A forged check is physically presented at a Fifth Third Bank for the same amount. The funds are debited from our account without our notification. When my wife notices in our statement the missing funds she contacts our bank and they state the funds were removed by request and that we need to contact the writer of the check. At the time, the representative did not state that the forged check had been presented at a Fifth Third bank. We go back and forth with her landlord until we agree he did not receive back the funds. 

All attempts to contact Fifth Third bank result in stonewalling and the representative stating that because we are not Fifth Third account holders that they can not help us.
Consumer complaint received 2024-11-08
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. (WI)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-11-08
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. (AL)

Under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items due to the ongoing litigation.
Consumer complaint received 2019-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AL)

There were several unauthorized recurring debits in my checking account from XXXX ph # XXXX. I made a claim to Wells Fargo to dispute all charges from this place on XX/XX/XXXX I was advised they would let me know the outcome but never got a response unless I called directly. I was credited about {$40.00} from when these transactions from when the incident started on XX/XX/XXXX Now Im being told that my dispute XXXX & XXXX is the only time it can be disputed out of a total amount they were able to find for {$3100.00}. I feel this is unacceptable especially if it was never a time where my card was used online before. I always use the physical card.
Consumer complaint received 2018-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

When the company calls, there is a recording trying to sell me something ( I think it's an extended warranty on a car that I haven't had in 4 years ). 

Company Name is Portfolio Recovery : XXXX Most of the time they hang up without the recording. Call using various other numbers as well.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NM)

An internet company, XXXX and credit collection company, Southwest Credit are trying to scam me for {$140.00} I do not owe. I have never had an account with XXXX. Those companies, with no notification to me, filed this debt on my credit record on XX/XX/XXXX. I learned about it on XX/XX/XXXX. I called SW Credit, they said it was a bill that I owed XXXX XXXX from XX/XX/XXXXand XXXX had purchased XXXX XXXX. I did have an internet account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I had a XXXX XXXX, my wife was a XXXX victim. After my XXXX we had to close our home and move into a XXXX home. 
XXXX XXXX was notified, the antenna and all internet equipment was shipped to them. The contract was cancelled, they sent a final bill. It was paid and we never received further correspondence from them. Then three years later, this appears on my credit report. My wife has XXXX XXXX. I am an XXXX year old XXXX XXXX XXXX XXXX XXXX  veteran, live alone on a fixed budget with little but my past memories. As a matter of decency, I would like this removed from my credit record.
Consumer complaint received 2024-11-08
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)

I cancelled in XXXX because XXXX XXXX  couldnt install the ground mount, solar panels and back up battery system we agreed upon ( about XXXX ). XXXX said no fees would be needed since they had stopped working on my project months before that. XXXX needs to remove this from my credit, or reach out to freedom and confirm with them since they are not being helpful. XXXX website shows a repeated pattern of fraud on peoples credit and this is not a trustworthy company I would like to do business with.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2019-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

On XX/XX/2019 a charge was made to my CitiBank credit card ending in XXXX to a company named XXXX. I did not make this charge nor authorize the purchase. I was unaware of this purchase until I received a statement the following billing cycle and my card has a significant change in the balance. I disputed this charge on XXXX XXXX and was credited the amount of the purchase of {$2100.00} as the dispute department agreed with me that the purchase was clearly fraudulent. On my XXXX statement I received a chargeback stating that the paperwork they sent me was never returned. I have proof that the email was sent and CC 'd to myself on XX/XX/2019 when I received it. The documents they provided me from the seller confirmed my suspicions of fraud. The items in question were shipped to another name, email address and phone number other than mine. The package was sent to a second-floor apartment at my address but never received by anyone there as I inhabit both units. The seller admits that the information did not match the credit card and knew the email was not working but decided to ship it anyways. The package was allegedly signed for however there is no signature on file from the shipper and the name captured was not mine and I live alone so there is no possibility of another resident of my home signing. I contacted to check the status the week of XX/XX/2019 to check on the status of the dispute. I was once again assured I would not be responsible for the charges as they were indeed fraud. It was explained to me that they would certainly decide in my favor and would not be responsible for the obviously fraudulent charges. I was told tomato no payments until they made a decision as the only balance on the account was that of this chargeback and the interest incurred. I still have yet to hear back from CitiBank and at this point they are now threatening to send me to collections for the balance. Attached you will find the paperwork that Citibank sent me, and I returned as they instructed. I have taken the liberty to highlight the inconsistencies and errors in the billing paperwork and shipping documents.
Consumer complaint received 2018-05-03
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. (VA)

SO this is ridiculous, because after filing over 15 complaints with XXXX XXXX, Equifax and XXXX, my credit was at XXXX score but when their faulty lack of due diligence caused the fraudulent inquiries and accounts to happen, the score dropped over 4 points and even more on my credit. Then I file complaints, wait over 4 months for the credit bureaus to get their act together, and remove the fraud inquiries and then my score only goes up ONE ( 1 ) XXXX point. That is totally unfair for each bureau to falsely report fraud in the first place and then have jurisdiction over scores and refuse to bring them back to where they were. That is incredibly damaging to my credit still and causing me to lose my chance to own a home. After these numerous complaints being taken so lightly, I am going to the news with this because the credit bureaus are causing too much negative impacts on people and have ruined my hard work.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.