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

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-11-11
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. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activities. It's my goal to not seek after any legitimate activities so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion is reporting a bankruptcy on my credit report. I provided a letter from the US bankruptcy clerk stating they did not report any information to any credit bureau along with a copy of my drivers license. It has been well over XXXX days and Transunion has not not provide the information yet.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc. (NY)

This is a complaint in regards to a Novo business checking account I have. I am an XXXX  XXXX that is paid monthly around the XXXX by the same company. This month, the deposits were made on XX/XX/XXXX, and mine still has not shown up in my account. The total for the deposit should have been {$2600.00}. I have had this account for a year and they always come in the same day. There is not even a pending deposit. I reached out to their support division to inquire about what is going on. Many of my peers use Novo and received their deposits on the XXXX. Their response is that they are " waiting for a response from their team ''. It's been 2 days and no one can tell me anything. The situation got worse when I went to log into my account yesterday and suddenly it no longer existed at all! I am extremely concerned that I will never see my pay check. There currently has been no action at all taken by Novo. The last response I received as over XXXX hours ago and it was that they are waiting to hear.
Consumer complaint received 2024-11-11
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. (LA)

After reviewing my credit report, I have discovered several unauthorized hard inquiries that I did not recognize or apply for. Upon further investigation, I realized my personal information was exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question. Per section 15 USC 1681 C-2, any fraudulent accounts that I did not authorize or sign a contract for must be removed off my credit report in 4 days. Unfortunately, the credit bureaus refused to remove them off my credit report. This issue is causing undue stress and is negatively affecting my financial standing.
Consumer complaint received 2024-11-11
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. (IL)

Dear Sir or Madam : I am a victim of XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX {$12000.00} OPENED XX/XX/XXXX XXXX XXXX- # XXXX {$220.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$25000.00} Opened XX/XX/XXXX XXXX XXXX- XXXX XXXX {$34000.00} Opened XX/XX/XXXX XXXX XXXX {$160.00} Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-11-11
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. (MD)

XXXX XXXX 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 Dear XXXX XXXX XXXX XXXX I am writing to formally request the blocking and deletion of accounts that were fraudulently opened in my name as a result of a data breach. This request is made pursuant to 15 U.S.C. 1681c-2 ( a ), which provides protection for victims of identity theft. 


The following accounts, appearing on my credit report, have been identified as unauthorized and fraudulent : XXXX. XXXX XXXX XXXX  XXXX - Account ending in XXXX XXXX XXXX XXXX XXXX - Account ending in XXXX XXXX. XXXX - Account ending in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> These accounts were not authorized by me and are a result of the data breach that compromised my personal information. I have attached the necessary supporting documentation, including a copy of my identity theft report and any relevant information related to the breach. 


Please process this request and confirm in writing once these accounts have been blocked and deleted from my credit report. 


Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-11-11
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. (NC)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
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 2024-08-20
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: EQUIFAX, INC. (GA)

I have no affiliation with these unknown addresses and I have reached out to the credit bureaus on numerous occasions about the discrepency but no response. I would like all addresses to be removed from my credit report immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

On or around XX/XX/2024 I reached out to dispute the info to make the credit bureaus aware of balances that were incorrectly showing I am accruing interest on my student loan accounts in addition to erroneous late payments on my XXXX XXXX car account. I submitted proof of the payments made via XXXX XXXX  for my XXXX XXXX XXXX  account, and cited the fact that I can not accrue interest while in XXXX  for my XXXX  loans. 

The credit bureaus proceeded to update very minimally the late payments to only a few for my military star card and update the balance as XXXX. Instead of correcting all of the erroneous late payments. 
For my XXXX  loans they only updated the balance to show the amount without accruing interest until XX/XX/2024, still allowing the balance owed to be incorrect.
Consumer complaint received 2024-11-11
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. (NJ)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-20
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 writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-11-11
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Debt Validation Request Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that you claim I owe. This is not a refusal to pay but a request for validation of this alleged debt. 
Please provide me with the following information : Proof that I owe this debt : Please provide the name and address of the original creditor and a detailed explanation of the amount owed, including the original amount, any interest, fees, or other charges added to the debt. 
Verification of your right to collect this debt : Please provide a copy of the contract or agreement that you have with the original creditor that authorizes you to collect this debt on their behalf. 
Complete payment history : Provide a complete payment history from the original creditor, including all charges and payments made on this account, so I can identify the validity of this debt. 
Proof of your license to collect in my state : Provide documentation that you are licensed to collect debts in my state and that your company complies with the relevant laws governing debt collection. 
Until I receive the requested information, I will not consider any payment towards this debt. Additionally, please cease all communication regarding this debt except for providing the information requested above.I look forward to your prompt response. 


Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the above-referenced debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask you to stop contacting me, and I am exercising that right. 

Please be advised that any further communication from your company, except as required by law, will be considered a violation of the FDCPA, and I will not hesitate to pursue all available legal remedies. 

This letter is not an acknowledgment or validation of the debt, nor does it indicate a willingness to pay. I request that you provide no further contact regarding this matter, except to confirm that you are honoring this request or to notify me of any specific action you intend to take, as allowed under law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-11-11
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. (NC)

Reported to the credit bureau that collection agency is reporting inaccurate information on my credit report while I am actively disputing this entry with the collection agency XXXX XXXX XXXX for the amount of XXXX... I asked the credit agency to verify method of verification and proof that they have and they did not furnish that information which is a violation of my rights
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (AL)

I filed a dispute regarding a home I purchased. I advised Chime that I purchased phone from a website and they phone didnt work. I messaged the seller and they told me to send the phone back for a fill refund in which I did. Nice they got the phone back I could not reach them ever again and they charged me again for the same phone. After I couldnt reach the merchant. I filed a dispute with chime for each transaction and they denied it even after I sent the exchange between me and the merchant showing where I was promised a refund. Then I had. 3rd dispute regarding a charge that I didnt make and cancelled my card and requested a new one and I was denied within 2 days with no reason why. Chime also reopened my 1st 2 disputes and denied them again and after I called today they opened it for a 3rd time. They need to be held accountable as my financial institution.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Despite having paid my student loans in full, Equifax continues to report an outstanding balance on my credit report. This incorrect information has not only misrepresented my financial status but has also caused undue stress and potential harm to my creditworthiness. My primary goal is to ensure that the credit report accurately reflects the full payment of my student loans, while also maintaining the integrity of the payment history. This approach will prevent any negative impact on my credit score during the correction process.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Subject : Request to Correct Inaccurate Name Reporting on Credit Report To Whom It May Concern, I am writing to request assistance regarding an ongoing issue with The credit bureau inaccurate reporting of my name on my credit report. Currently, The credit bureau is listing my name in several incorrect variations that do not match my legal name and have not done so for over XXXX XXXX This has caused confusion and complications in verifying my identity and in managing my credit. 

My legal name, as stated on my XXXX XXXX XXXX XXXX XXXX XXXX, is XXXX XXXX XXXX. I have contacted The credit bureau multiple times in an effort to have this corrected, but no action has been taken to resolve the issue. I am requesting that my name be updated in their records to reflect my legal name accurately. 

Please let me know if any additional information or documentation is required to assist in resolving this matter. I appreciate your assistance in ensuring the accuracy of my credit report. 

Thank you for your attention to this issue.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On numerous occasions, I reached out to Transunion regarding inaccurate information reported on my credit profile. I filed disputes directly on their website, sent dispute letters via mail, and even authorized a third party to dispute on my behalf, all to no avail. transunion blocked and refused all attempts to verify the information on my file. When I attempted to file a dispute online as instructed, I received an error message indicating that this account had been disputed in the past. Despite sending disputes through certified mail to transunion, I have never received any communication or updates regarding my disputes, nor has my credit report been updated. When I authorized a third-party agency to dispute the negative accounts, transunion outright refused to conduct an investigation or verify the inaccurately reported accounts in my file. As a result, transunion has allowed debt collectors and companies with whom I have never done business to obtain copies of my report without my permission. These entities are reporting false and misleading information on my report, and transunion has refused my requests to investigate. They have also neglected to provide documentation explaining how the debts were verified, and they are blocking my access on their site to file disputes for these incorrectly reported accounts. Furthermore, they have failed to send documentation by mail detailing the results of these investigations and how they were verified with creditors. Recently, I discovered from a loan company that transunion has been selling my personal information to creditors without my consent or knowledge. This constitutes multiple violations of the law and my rights as a consumer.