davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-05
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. (CA)

THESE ACCOUNTS AND INQUIRIES WERE OPENED AND MADE WITHOUT MY KNOWLEDGE OR AUTHORIZATION. I AM A VICTIM OF IDENTITY THEFT. 




Transunion XXXX. 

XXXX XXXX XXXX  - Account # XXXX, - High Balance : {$32000.00}, Date Opened : XX/XX/XXXX, Account Type : AUTO LOAN Account # XXXX High Balance : {$32000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Miscellaneous Finance Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt Profit and loss write-off Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : 60 Month ( XXXX ) Past Due Amount : {$13000.00} Account Type : Auto Loan Payment Frequency : Monthly ( every month ) Credit Limit : {$0.00} XXXX. 

XXXX - Account # XXXX - High Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Type : Bulk Purchase Finance Transunion Account # XXXX High Balance : {$2000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Other Collection Agencies Account Status : Open Payment Status : Collection/Chargeoff Creditor Remarks : Placed for collection Original Creditor : XXXX XXXX XXXX  Last Payment XXXX -- Past Due Amount : -- Account Type : -- XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX High Balance : {$0.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$55.00} Closed Date : -- Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Personal Loan Companies Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Unpaid balance reported as a loss by the credit grantor. 
Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$30.00} Account Type : Charge account Payment Frequency : -- Credit Limit : {$750.00} XXXX  Inquiries : Creditor Name Date of XXXX Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-11-05
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)

There is information thats on my consumer report that appears on my TransUnion consumer reports that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block identified transactions. The identified transactions are not information related to any transaction by me as the consumer. PLEASE REMOVE AND DELETE THE FOLLOWING INFORMATION BELOW FROM MY CONUSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I Demand for this account to be REMOVED/ DELETED from my credit reports. I have also filed a FTC REPORT. See ATTACHMENT
Consumer complaint received 2018-04-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

When I had my checkbook stolen in 2016, I opened a new account with Bank of America and was pushed into opening a Business Checking Account that was inappropriate for my needs. I informed the representative who opened that account that I would be transitioning back into " XXXX-status '' and still the representative advised that I open a Business Checking Account with the bank. I had the account for approximately two years, and late fees began to accumulate on the account. When student loans were deposited in my Savings account, BofA transferred at least {$1200.00} from my Savings to cover the ridiculous late fees. The bank literally stole money without my permission from my Savings to cover {$1200.00} in late fees. They also refused to refund any of the fees when I complained to a branch representative about the issue. I would like help in addressing this and receiving a refund.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

USAA closed my bank acct effective XX/XX/XXXX, I have not yet received any notification that my account has been closed. the only communication is when I call them which was on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. they have only informed me to say that the will no longer be doing business with me and that my account was closed on XX/XX/XXXX. for potential fraud. I have since had Three XXXX checkecks that were deposited and recieved after and since my account was closed. the bank has stated that they will mail my funds to me on XX/XX/XXXX. I am a XXXX Veteren and I can not sustain life without my funds that they are holding. they have even stated that the decision is final and that is no person that I can talk to change them not giving my money and that I have no choice but to wait 60 days for them to send me a check. this is WRONG! 

I NEED HELP WITH THIS MATTER - THIS IS AN EMERGENCY AND IT SHOULD BE ILLEGAL
Consumer complaint received 2018-03-28
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: Bread Financial Holdings, Inc. (CT)

XXXX refuses to remove an inquiry dated XX/XX/XXXX on my credit report on behalf of XXXX XXXX XXXX. I've contacted XXXX XXXX XXXX who apologized for the hard inquiry ( I didn't give them permission to pull my credit ) and promptly submitted an electronic request to the three credit bureaus to remove the inquiry from my credit file on XX/XX/XXXX. XXXX and XXXX removed the inquiry within 30 days, and XXXX did not. I contacted XXXX SIX times between XX/XX/XXXX, and XX/XX/XXXX, asking for an update and trying to understand why they hadn't removed the inquiry. They replied they didn't receive the information from XXXX XXXX XXXX. I promptly uploaded a copy of the letter sent to me by XXXX explaining that they would send a request to the credit bureaus to update my credit file, and have had them resubmit the request over SIX times ( every time I spoke with XXXX and they denied seeing the information ). XXXX keeps saying they don't see the information from XXXX, every time I call XXXX they pull up the dates that they've sent the request. I'm at a complete and utter loss as these two companies keep having me call each other and they keep blaming each other for as the source of the problem. This is a complete violation of my rights, and XXXX did not have the right to access my report. Please help me.
Consumer complaint received 2024-11-05
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$20000.00}
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies.

The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.

If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness.

To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

1. FRAUDULENT REPORTING 2. ENTRIES W/ THE BALANCES & CREDIT LIMITS EDITED TO {$0.00} 3. FRAUDULENT COLLECTION 4, FRAUDULENT INQUIRES 5. FRAUDULENT CREDITORS 6. FRAUDULENT CLOSED ACCOUNTS I HAVE PLACED DISPUTES SEVERAL TIMES ON ALL OF THESE FOR IMMEDIATE & PERMANENT REMOVAL & NO REMOVALS WERE EVER MADE.

THIS MEANS YOUR Bureau CONTRIBUTED TO FRAUDULENT REPORTING AND ARE LIABLE TO THE VICTIM FOR {$1000.00} DOLLARS PER FRAUDULENT REPORT AND EACH FRAUDULENT REPORT IS LIABLE FOR A {$5000.00} FINE AS PER ENFORCEMENT OF FINING FROM THE FAIR CREDIT REPORTING ACT.

THE ONLY THING THAT SHOULD BE ON MY CREDIT REPORTS ARE 2 OPEN REVOLVING ACCOUNTS FROM XXXX FOR A {$5000.00} CREDIT LIMIT AND XXXX  FOR A {$1000.00} CREDIT LIMIT. THERES NO BALANCE OWED TO EITHER AS I NEVER RECIED MY CREDIT CARDS A YEAR AGO WHEN I OPENED THEM BUT I AM CALLING TO HAVE THEM MAILED TO ME.

2. I KNEW FOR YEARS I WAS AN IDENTITY THEFT VICTIM BECAUSE OF THE CONDITIONS AND ENTRIES ON MY CREDIT REPORTS. 

I JOINED XXXX XXXX XXXX XXXX XXXX XXXX AND THEY LOCATE

D ONE OF MY IDENTITY THEFTS. DATA BREECH THAT RESULTED IN MY GOOD NAME AND SOCIAL SECURITY NUMBER DEBUTING ON THE BLACK WEB. THIS HAS PROBABLY ENDED UP SAVING MY LIFE AS ONCE YOUR INFORMATION MAKES IT ONTO THE BLACK WEB YOUR IDENTITY IS NO LONGER SAFE TO MAINTAIN. THERE IS A PERSONAL RISK TO DANGER ONCE YOUR INFORMATION HAS BEEN FOUND ON THE BLACK WEN & I AM WORKING WITH XXXX XXXX XXXX XXXX FOR FUTURE INCURRED LOSSES SO THAT I MAY RECOVER FROM IDENTITY THEFT AND GAIN A NEW SAFE IDENTITY FOR MYSELF.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies. 
The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

There really is n't an option for my issue so I chose the closest options. XXXX XXXX XXXX, who has participated in illegal recovery efforts before, is making hard inquiries against my credit report up to XXXX times per month - sometimes on consecutive days! I understand that collection agencies have the right to make inquiries while collecting a debt, but is is really legal for them to try to bully a response by damaging someone 's credit with incessant credit inquiries? That seems unethical at a minimum. There are no debts on my credit report owned by XXXX. I did have a collection with them at some point in the past ( and was actually awarded a part of the settlement for violations of debt collection practices ) but currently there is no collection associated with them on my report. How can I make them stop making insane numbers of hard credit inquiries every month?! 

The attached file is a screenshot from my XXXX credit report.
Consumer complaint received 2024-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (FL)

In XX/XX/scrub>XXXX XXXX I was experiencing a financial hardship due to slow payments from my customers. As a result, I informed Navy Federal Credit Union of my inability to pay at my appointed time. We agreed on a payment date on XX/XX/year> and the regular payment will resume on XX/XX/XXXXXXXX XXXX XXXX. At that time, I even authorized payment for the ach payment. Subsequently, Navy Federal began to report the account as being delinquent. It is because of that a loan I was expecting to get was denied.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX Saturday, XXXX XXXX, XXXX I spoken with an representative of XXXX to updated and dispute inaccuracies in my credit report. They stated that they update my name, address, phone number and current employer. Also, they deleted XXXX accounts but they still shoeing on my credit report. Im not understanding if you conduct an investigation ... comes back with result but do actually do what you indicated to me in writing. I 'm confused as to why they did n't delete the inaccurate info and update my personal information. Please help. When I called last night ..spoke with XXXX, who gave me a difficult time and refused to let me speak with a supervisor.
Consumer complaint received 2017-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

Hello, I 'm disputing the {$89.00} I was charged on my Chase Debit card on XXXX XXXX 2017 for a transaction with the XXXX XXXX program. I selected a weekly pass ( {$29.00} ) on the machine, but was charged and given the monthly 30 day unlimited trips pass for {$89.00}.

I immediately stopped one of the XXXX  helpers at XXXX XXXX XXXX and she told me there was nothing she could do and I should contact the customer service for XXXX. Further, she informed me I was likely out of luck because XXXX does not do refunds under any circumstances because it is not in their policy.

I exchanged e-mails with customer service on the same day, please see below : Good Morning, Thank you for contacting XXXX XXXX My name is XXXX and I am more than happy to assist you today.

In order to investigate your issue, we will need the 20-digit serial number on the back of your XXXX  Card starting with XXXX.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) - - - Good afternoon XXXX XXXX Im not sure if you received my previous e-mail, my cell phone service is not working lately. Anyway below please find the XXXX Card number you were asking for.

S/N : XXXX XXXX XXXX XXXX XXXX Please advise when the refund is processed and how long it typically takes, Thank you again for responding back so urgently and understanding my unfortunate situation Best, XXXX XXXX -- - Good Afternoon, Thank you for contacting XXXX XXXX. My name is XXXX and I am more than happy to assist you today.

Unfortunately all we can do is convert the 30 day pass to the equal amount of trips. Is this something you would like to do?

Unfortunately, there is a No Refund Policy for unused trips/passes or for XXXX Cards as per our Terms & Conditions. You can read them on our website, XXXX One of the benefits of the XXXX Card is that neither the trips nor the card expire as long as your card is kept in good working condition.

Thanks for your inquiry and feel free to contact us at any time.

Sincerely, XXXX ( XXXX ) --  I was left with absolutely no options but to convert this unlimited monthly pass that I did not select to individual 30 trips. She tried to convince me to go through with it and asked me when I 'd be at the XXXX  next. However, I never deactivated the card or converted my trips. I am extremely disappointed with the services of the XXXX XXXX customer service. Corporations can not include " no refunds at all '' and have customers live with it. I dispute this {$89.00} charge and want a complete refund.