davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-26
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. (MN)

I have checked my consumer credit profile and have noticed that there is a TON of inaccurate information including information that I never authorized to be reported nor has any government agency given authorization for any of the information to be reported, ( XXXX, XXXX  ) never had authorization to report any experiences to any of my consumer reports these accounts are in direct violation of 15usc1681 ( i ) these acounts should be removed as required by law.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Im writing in regards to letters I sent out disputing this account with XXXX XXXX and I never received any correspondence about to the disputed account, I wrote to XXXX XXXX, XXXX, Equifax and XXXX and it had been over 35 days with XXXX XXXX and Equifax and it has been 34 days with XXXX XXXX The Late payments are reporting inaccurately and illegally. I pointed out all the violations that they are in violation of and continuing to report this account is illegal. I want this account reinvestigated and this account removed.
Consumer complaint received 2023-11-26
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX  and account # XXXX  also with XXXX XXXX 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 an account without my written instructions. 

again XXXX XXXX XXXX Account # XXXX  And Account # XXXX
Consumer complaint received 2023-11-25
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. (LA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the XXXX XXXX I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-28
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: EQUIFAX, INC. (GA)

I have reached out to Equifax in regards to unauthorized hard inquires on my credit report and I have either heard nothing back or nothing was done. I am tired of having the run around. I would just like to have the unauthorized hard inquires removed.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have made a deposit in the amount of {$7100.00}. It was a check from my retirement 401k account. I went into the local branch and made the deposit with a bank teller. I received a receipt stating when my funds would be available. I have written documentation from the bank stating when my funds would be available. On Friday, XX/XX/XXXX I had checked my balance and it was in the negative. The initial {$250.00} that was stated would be available was not available. I then called customer service and the representative stated the funds ( all {$7100.00} ) will be available on XX/XX/2023 at XXXX. This caused me to accrue penalty fees from my creditors due to the fact payments i made according to my fund release schedule to bounce back. I have also requested a hardship with the bank for my funds and all of a sudden they no longer do that.
Consumer complaint received 2024-01-04
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: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/XXXX XXXX XX/XX/XXXX To Whom It May Concern, Dear, Dear, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : [ dispute_item_and_explanation ] XXXX XXXX XXXX XXXX XXXX Education XX/XX/XXXX Closed Account charged off. {$16000.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX XXXX {$22.00} XX/XX/XXXX XX/XX/XXXX 0 % Status Updated Balance Balance Updated Last Payment Date Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : {$150.00} {$15000.00} 144 Months Individual XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX 0 % {$18.00} {$1000.00} 120 Months XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Open Open/Never late. 
XX/XX/XXXX {$1700.00} XX/XX/XXXX XX/XX/XXXX 0 % {$31.00} {$1700.00} 120 Months Individual
Consumer complaint received 2024-01-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I regret to inform you that your decision not to address my identity theft issue on the grounds of an alleged error or misrepresentation of material facts is deeply concerning. What authority do you possess to make determinations regarding material facts? You neither hold the role of a judge nor serve on a jury, nor do you possess any such entitlement. According to the guidelines of the Federal Trade Commission ( FTC ), when presented with an FTC identity theft report filed through a law enforcement agency ( which is, in this case, the FTC itself ), compliance with the law is mandated. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests I am extending one final opportunity for you to process my request concerning the identity theft incident. Failure to do so will leave me with no choice but to pursue legal recourse in a courtroom setting, wherein you will be held responsible for the damage inflicted upon my reputation, credit, and the emotional turmoil I have endured due to this matter. 

XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX - XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I implore you to ensure the resolution of this matter within the legally mandated XXXX timeframe. I trust that you will act in accordance with the law. I am writing to dispute certain accounts on my credit report that I believe are the result of identity theft. After thoroughly reviewing my credit report, I have identified several accounts that do not belong to me. 

I have already taken steps to report this identity theft to the relevant authorities like the FTC.
Consumer complaint received 2023-11-25
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)

XXXX please remove all credit inquiries on my credit report they are fraudulent, I did not authorize these inquiries, my information was used and someone committed fraud against me, my information was leaked on the dark web, there have been data breaches, Im going to attach the screen shots of my report with all these credit inquiries, I want these removed immediately, I have a credit freeze on my report, I do not want a fraud alert.
Consumer complaint received 2024-01-02
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)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. However I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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 2023-11-25
Product: Credit 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: SYNCHRONY FINANCIAL (MI)

on XXXX XXXX fraudulent charges by " XXXX '' {$120.00}, {$120.00} and {$4.00}... 
on XXXX XXXX fraudulent charges by " XXXX '' {$12000.00}, {$120.00} and {$4.00}... 
on XXXX one charge for {$10.00} by " XXXX '' total of {$510.00} was fraudulently charged to my paypal mastercard. I closed my account in XX/XX/2023 and somehow scammers are still allowed to make charges months later. After investigation the XXXX charges by " XXXX '' of {$120.00}, {$120.00} and {$4.00} were admitted as fraud ; leaving the XXXX charges of {$120.00}, {$120.00} and {$4.00} by " XXXX '' still on my account. 
My XXXX bill showed the correct amount owed of {$83.00}. But in XXXX those charges totaling {$250.00} were again transfered to my new account. I intentionally did not activate the new card they sent me to prevent further scams. 
After countless phone calls resulting in wasted hourseach call. On XX/XX/2023 I finally recieved a mailed copy of my account with a balance of {$10.00}. However, in reviewing my paypal account online the balance is now {$440.00} as of XXXX. The fraudulent charges were again added to my account. 
Current account balance is {$440.00} - XXXX {$190.00}. That is {$180.00} in interest and fees on fraudulent charges. 
I was " assured '' in XX/XX/2023 thesecharges would be removed but intead more charges are added. 
ibelieve these fraudulent charges are made by employees or associates of enployees that would have access and knowledge of account information due to me never activating the second card paypal sent me. 
When I have called paypal and Syncrony bank I get excuses, for the fraudulent charges being added the new account that I never opened.
Consumer complaint received 2023-11-25
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. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is in violation of fair credit reporting act. 15 USC Code 1681s- 2 section F reporting infomation during Covid 19 ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

the covered period started XXXX XXXX XXXX  and ends XXXX after the XX/XX/XXXXXXXX  and late payments were being reported during the covered accommodation period.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

We deposited XXXX check on XXXX separate days. The initial payroll deposit made on XX/XX/XXXX was supposed to have a partial released on XX/XX/XXXX and that the full amount will clear on XX/XX/XXXX. That didnt happen. The second day, we deposited a check from XXXX XXXX and that was supposed to be released on XX/XX/XXXX. That didnt happen. We talked to several reps over the phone and went into the branch and we were told different things : 1. The account hard been flagged for fraud 2. The issuers of the checks ( 2 separate companies ) have a history of retuned checks. 

I called both banks and they informed us that both checks cleared. So I called Wells Fargo informing them of this and they stuck with the story that both companies are unaware ofthat the banks have a history of returned checks. 

As of today, we have {$17.00} available in our bank. This has left us crippled. We are not sure of how were going to make it to work this week or pay our bills that are due. Wells Fargo refuses to release a dime until XX/XX/XXXX. Which is an unreasonable time to hold anyones funds
Consumer complaint received 2023-11-23
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will be settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-23
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: EQUIFAX, INC. (CA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, other accounts still need to be UPDATED. These accounts should be checked by the three credit bureaus in compliance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hopeful that the disputed accounts will be settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-25
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. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-02
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)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

On or about XX/XX/2023, I received a XXXX  ID Theft protection alert. Upon receipt, to understand the depth of the alert, I contacted a XXXX customer service representative. In an application for a consumer loan, the representative noted that personally identifying information was used. Shortly thereafter, the following additional Norton Identity Theft ( and XXXX XXXX ) alerts were identified ; i.e., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. At that time, to determine if there were possible fraudulent activities, within other consumer reports, additional suspect accounts and collections were observed. As the result of the XXXX XXXX XXXX ( XXXX ) breach, an XXXX breach, and most recently the XXXXXXXX XXXX XXXX data breach ; the prevailing belief is that my personal data has been compromised. Moreover, personal data is being used to open and or maintain fraudulent consumer data. 

Subsequently, I have thoroughly reviewed my credit report and would like to inform you of the inaccuracies it contains therein ( see list below ). U.S. Code 1681c-2 compels a Consumer Reporting Agency ( CRA ) to block collection activity the consumer identified as information associated with ( or resulted in ) alleged identity theft. As a reported victim of identity theft, in violation of the above code, your organization has legal culpability. For instance, under U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), consumer reporting agencies may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. To date, I have NEVER given or afforded any Consumer Reporting Agency, or any such entity WRITTEN CONSENT to report or furnish personal consumer data. Thus, as identified, the following items constitute violations of federally protected rights.

The following attachments and letters to consumer credit reporting agencies are submitted for review.
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. (FL)

I am a victim of identity theft. My information was used to obtain a loan from XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$25000.00}. XXXX has cleared me of this debt and reported to the XXXX credit bureaus that it is NOT my debt however Transunion refuses to remove it from my credit report even though I sent in a request to remove it and I called to report it as identity theft ( along with all pertinent documents to prove it ). 7 months after being cleared of thisTransunion is STILL reporting this as a delinquent debt in my name. It is making me lose credit lines. I have lost over {$15000.00} in credit lines.