davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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. (WV)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-11
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. (AR)

I have sent letters to the credit bureau and have not yet got the following files removed from my credit report. The request was sent to XXXX, XXXX and transunion upon my first complaint on this matter.I have sent them countless mail to resolve this matter and they keep sending me a automated message saying that the accounts are valid. I have filed FTC complaints and mailed them to the credit bureaus as well. I have also been keeping up with complaint letters I have been sending them via certified mail. I don't feel they are doing the proper investigations on my accounts and I would like to know what are the steps they are taking to validate the accounts. I want the following fraud items REMOVED from my report : XXXX  XXXX Act # : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. INQUIRY XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. It's against the law for me to complain about the proper construction of my credit report and said agencies to not fix the resolution in a timely matter. I have been complaining for the last 3 months and keeping up with my complaints I will now be filing reports with the attorney general about this matter on all XXXX agencies and expecting monetary relief for my pain and suffering.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-11-13
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. (MA)

Back in SXXXX XXXX XXXX I saw a fraud account and inquirires on file I requested the removal of it as they are fraud but did not recive notification letter not even a call nothing just a complete shut off and my case was never answered I call and some XXXX person XXXX my documents were invalid I had it please help me
Consumer complaint received 2016-01-16
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Law Offices Howard Lee Schiff, P.C. (CT)

I keep receiving phone calls from XXXX. I 've left XXXX voicemails on their answering machine advising the person they are trying to contact does not live at my address. They keep calling each week. I can not get them to stop calling me despite NUMEROUS attempts to get them to stop.
Consumer complaint received 2024-11-13
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 have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 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 proofofmyidentity and my Proof of Address.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I filed a complaint with CFPB on XXXX/XXXX/2015 against Trans Union ( please refer to case # XXXX ) Trans Union stated that it would take them 60 days to respond. To this date no response from Trans Union, the items that were disputed still remains on my credit report. Trans Union has violated FCRA by not conducting a re investigation as stated in their response to complaint # XXXX. Trans Union only removed judgments.
Consumer complaint received 2016-02-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CO)

I use Experian and XXXX credit monitoring services and they have that my " Credit History is too short '' and that is hurting my score. My oldest account is 28 years old, my average account term, according to them, is ten years. I have numerous mortgages on properties that I have held for 15+ years, numerous credit cards that I have had for over 10 years, which I pay more than the minimum payment and all on time. I am not sure what they consider " aged accounts '', but by most standards my credit accounts are not " too short ''. I called Experian and they could not figure out why FICO considers my credit history to be " too short ''. They told me that FICO sends them that information. Instead of contacting FICO, I wanted to file a complaint as I am sure others are receiving the same status, if you will, of too short a credit history. I have excellent credit, but by FICO standards, I am just " good ''. There scoring models need to be reviewed so that it is fair for all and not something that seems to be arbitrary. 
Thank you and I look forward to your response.
Consumer complaint received 2024-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

A collection account titled XXXX XXXX appeared on my transunion credit report with balance of {$22000.00}. I am not liable for this debt with XXXX XXXX XXXX and I do not have any contract with them. They did not provide me with the original contract as I requested.
Consumer complaint received 2024-11-13
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. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency XXXX 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 Accounts : XXXX XXXX XXXX XXXX XXXXXXXX date opened XX/XX/XXXX Bal. {$5300.00} XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$4300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$3300.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$3200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$250.00}, XXXX XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$950.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX Bal. {$940.00}, XXXXXXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$240.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$220.00}, XXXX XXXX  Account # XXXX date opened XX/XX/XXXX Bal. {$150.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX. Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 2024-11-13
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. (CT)

I am the victim of several data breaches and fraud and identity theft. Under 15 USC 1681c-2 ( a ) I have the right to request the blocking and deletion of any and all fraudulent information due to these breaches, fraud and theft of identity. 

The inquires in question XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX I have no open accounts with the companies listed above and I have no knowledge of any of these inquires.
Consumer complaint received 2016-02-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NJ)

We have been clients of Chase banking for over 20 years with no issues. As of XXXX XXXX, 2016, our account was compromised ( both checking and savings ) in which all of our money was removed from the accounts. We had realized that our account was compromised when we attempted to make a purchase and our account was denied. We received no alert from Chase that a questionable purchases from another state were made. We contacted Chase the moment that we found that our account was compromised and they had closed our account and told us that we needed to go to the nearest Chase bank to open a new checking account which it would take 48 hours to reimburse us. We opened the new account on XXXX XXXX, 2016 at the XXXX branch in which they claimed that the money would be placed into the new account. We explained that our paychecks are directly deposited into our checking accounts and they assured us that the paychecks would be wired from the old account into the new account. The money from our paycheck was deposited into the new account, but as of Friday, XXXX XXXX, 2016, our account once again had a zero balance. None of the money was taken out by us. We returned to the XXXX branch, spoke to the representative that opened our new checking account, and she told us that the money that was removed was from a computer error and would be back in our account by Monday or Tuesday. Today, XXXX XXXX, 2016, I had called the bank representative and she had told me that all of my accounts had been closed and that our money would not be reimbursed at all ( XXXX the money that was originally taken from the account, as well as our most recent direct deposit. She gave us a phone number to call, because she did not have further information for us. After calling the number, we spoke to a XXXX, who explained that the claim went through review and due to " multiple claims '', we are liable because our bank accounts were not secure enough. I had inquired about the " multiple claims '' in which he changed his wording and mentioned that it was only XXXX claim. He said that Chase no longer wishes to do business with us. This has been the first time that we had ever had a compromised account without my knowledge as to how the account was compromised. The transactions were made in Florida from what we were told and we had not been in Florida nor made any transaction with anyone in Florida. It was explained to us that since the money taken was less than {$5000.00}, our account would be reimbursed, which did not happen, nor did the reimbursement of our direct deposits.
Consumer complaint received 2015-09-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (VA)

An unknown party attempted to defraud by spending around {$500.00} on goods. That vendor contacted me, confirming I had not placed the order. NETSpend had the funds designated as Pending. After demanding a XXXX way call with the vendor and netspend and me, netspend demanded an email confirming extensive information, which the vendor sent that moment. Netspend has still not credited me for the funds. AND then I got an email from Netspend saying my account was on HOLD and I needed to contact them and order a new card. My funds would be held up for a long time ... they would not allow me access to the funds, insisting that the hold could not be removed. This is my social security money they are holding on to. Reference XXXX
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-11-13
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. (PA)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I'm filing a complaint about TransUnion 's continued reporting of inaccurate information on my credit report related to XXXXXXXX XXXX  Despite multiple disputes regarding this account ( Account Number : XXXX ), no steps have been taken to correct or remove the errors. These inaccuracies are severely impacting my credit score and misleading potential lenders. I've made numerous efforts to resolve this by contacting both TransUnion and XXXXXXXX XXXX but the issue remains unaddressed. The ongoing failure to correct these errors is causing financial harm, making it difficult for me to obtain loans and credit. The stress from dealing with these reporting mistakes is also taking a serious emotional toll.
Consumer complaint received 2024-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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 2024-11-13
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. (SC)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2016-03-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: National Auto Lenders, Inc. (FL)

I obtained an auto loan with NATIONAL AUTO LENDERS , Inc. XX/XX/XXXX. 
They target individuals with low credit ratings and issue high interest auto loans. 
I questioned their high interest rates, my down payment and the original loan agreement, and was given the run around. This company is ripping people off daily. I made a {$7000.00} down payment made several advance payments for six month in advance. Principle loan amount stayed the same after 3 years. Contacted their office and questioned the interest rate and payout amount got the run around. After several attempts they told me that they had to send the request out to a different department and I would n't be able to speak to them directly. After no response to several request. I resulted in trading the vehicle in on XX/XX/XXXX in in order to get out of the bad loan. Worst customer service experience ever. 
I would like someone to investigate this company accounting practices and their affiliation with the local automobile dealerships.
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I am having a dispute with Capital One over a credit card charge that I never authorised for {$1600.00} for NV XXXX XXXX back in XXXX 2015. 
Capital One have sent me a credit card slip, but it does n't have my legal signature and therefore is not vaild.
Consumer complaint received 2024-11-14
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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.