davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (PA)

XXXX XXXX  did not state which phone number they called and tried to reach us with. They did not leave voicemails when they know how serious not paying taxes are. Just as they sent us a letter in the mail concerning this complaint, a letter should have been sent been sent regarding the explanation of interim taxes. We have never dealt with a company who is trying to reach us and would not leave a voicemail stating the reason for the call. The explanation they gave regarding this complaint is not sufficient and we will not be satisfied until the penalty they caused is paid in full.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The inaccuracies on my credit report are significantly hindering my financial freedom. Each time I attempt to apply for new credit, my application is denied due to these persistent errors. Its deeply frustrating to feel as though my rights as a consumer are being overlooked.
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. (FL)

In accordance with the Fair Credit Report Act XXXXXXXX XXXX from 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. 
This account reported on my credit report is a fraudulent account.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-31
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)

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 activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-10-30
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. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am disputing unauthorized inquiries on my consumer file. These unauthorized inquiries reporting on my consumer file do not relate to any transaction initiated by me. I need help with disputing with the credit reporting agency directly. I am requesting that you delete this inaccurate information within four days. I have attached the appropriate documents to support my dispute being proof of identity, social security card, and a ftc report.
Consumer complaint received 2020-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$6300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than what was owed. This account has been paid in full and should be reporting a {$0.00} balance. This false reporting of a charge-off account is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-10-30
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. (TX)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : 1. XXXX XXXX P - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX 5. XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX - XX/XX/XXXX 11. XXXX XXXX - XX/XX/XXXX 12. XXXX CARD - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Consumer complaint received 2024-10-30
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. (GA)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX or XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-10-30
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)

Upon receiving a copy of my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : The following account are not mine : XXXX XXXX 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, Please remove it from my credit report. 
In accordance with the provisions outlined in the Fair Credit Reporting Act, I hereby request a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify these items with the respective creditor. Any information that can not be verified by the creditor must be promptly removed. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter. 

Please send an updated copy of my credit report to the address provided above. According to the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify any parties who have received my credit report within the past XXXX months of any necessary corrections. 

Thank you for your attention and assistance regarding this matter.
Consumer complaint received 2024-11-19
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: CITIBANK, N.A. (NY)

On XX/XX/year> at XXXX, I received a mobile alert on my phone from Citibank regarding my credit card account. The message on my phone states : Free Msg Citi card Did you attempt {$260.00} at XXXX # XXXX on XXXX? XXXX, XXXX. I immediately responded XXXX. I log online to my account and discovered another transaction that I did not make was made on the same day at XXXX XXXX for {$46.00}. I spoke with XXXX XXXX ( not sure of the name ) and I informed her that neither of those transactions were mine. I also informed her that I never lost my card or loan my card to anyone. She stated the reason we contacted you was because these transactions were suspicious. She further states we can close this account and send you another credit card. She also said due to the suspicious activity, this charge will not be on your account. I received a letter yesterday on XX/XX/year> from Citibank security operation service team. The letter states my dispute is closed and because I stated that the card was in my possession, the remaining balance of {$310.00} will remain on my account. I am requesting a more thorough investigation how this happen and my account return to zero balance.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Attached you will see a deletion of file for a XXXX XXXX from XXXX and XXXX as well as a fraud report. Transunion has been asked to fix errors within my personal file for the past 2 years and has repeatedly failed to investigate and failed to resolve all issues reported. Due to being denied loan access Transunion should be properly compensating for funds lost and malicious malpractice
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-11-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (SC)

I acquired a credit card with Citi Financial - CITI CARD ENDING IN XXXX. During the time I had the credit card and used it often I always paid the full balance each month. After finding a more competitive credit card I elected to lock this card. I contacted CITI to cancel the card prior to the pending annual fee ; however, I noticed my card was never cancelled and now my credit report shows as if I'm past due on the card. The only balance on the card is the Annual Fee. 

I am disputing this transaction and request Citi to remove any negative credit report information regarding this account.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

I currently have a bank account with Wells Fargo. Someone put XXXX stop payments on my debit card, to pay my credit cards. I did not authorize any stop payments for any payment I was sending out, ever. Once that money bounced back, the credit cards closed all my accounts and now my credit score is being effected. Wells Fargo has no answers for me and no one can figure out what happened. In the meantime my credit score is dropping and my accounts keep closing. I need your help please.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-11-01
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. (MD)

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

i was a victim of identity theft I have police report of fraud and my information being used to buy cars and phones, etc my credit was run multiple times not by me I would like to take all the hard inquires off my credit report and others that's is not mines. 
these are not mines XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-10-30
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)

As Per guidance from the consumer Financial protection Bureau ( CFBB ) the document neened a letter from an advocacy group helping me due to XXXX XXXX according to XXXX-debt final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.1429 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within 4 business days, pursuant to section 605c of the fair credit reporting act.I am a victim of XXXX XXXX of debt bondage and would like all listing accounts blocked in deleted company information please delete the following accounts XXXX XXXX balance {$1400.00} XXXX balance {$3700.00} XXXX  balance {$5200.00} XXXX  balance XXXX XXXX
Consumer complaint received 2024-11-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CREDIT ACCEPTANCE CORPORATION (WV)

We had purchased a vehicle on XX/XX/XXXX ( XXXX XXXX XXXX ) from XXXX XXXX XXXX used cars in XXXX, wv using credit acceptance corporation to finance it with a 30 day warranty for the amount of {$5300.00} and a {$1500.00} down payment and a monthly payment of {$240.00}. We were told the car had been looked over with no previous accidents or any issues at time of sale after 3 days of having the car, the engine light came on and was diagnosed as then engine needing rebuilt do to burning oil ( a known problem with this engine/vehicle ) the dealership didnt tell us about we have called the dealership many times and they will not help us, we have also called the loan company and they have told us that we can go to another dealership and trade the vehicle in and go under a new loan with them but they are now refusing this, the vehicle has become very unsafe and unreliable as we have 3 children and drive a lot ( work, doctors, ect ). On XX/XX/XXXX we were impacted by the hurricane and had some financial issues repairing our home so we couldnt exactly make they payment so we had contacted credit acceptance and made and agreement to suspend that month and tag it to the end and they agreed, 4 days later they called back and said they no longer stand by that agreement. Long story short we have a car that is ready to blow up at any time and they will not give us our money back or help us get a new one. Someone please help
Consumer complaint received 2024-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I am writing in response to your correspondence datedXXXX, regarding the debt associated with my USAA FSB consumer loan, account numberXXXX. While I appreciate your confirmation of the debt amount and other loan details, I must respectfully inform you that the response does not fulfill the validation requirements I originally requested under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable consumer protection laws. 

As per my initial request, which was sent via certified mail on XX/XX/year>, I received confirmation that you received my request on XX/XX/year>. Despite this, your response has not provided the following essential documents : The full chain of assignment and transfer of the debt, including proof of any transfer to third-party collection agencies or to a secured trust. This documentation is necessary to validate that the debt is indeed owed to the party currently attempting to collect it. 

A copy of Form 1099-C ( Cancellation of Debt ), if issued, to confirm whether any portion of the debt was forgiven or canceled. This information is vital to verify the accuracy of the debt amount. 

Additionally, I must point out that USAA has been re-aging this debt on my credit report. This practice of re-aging is a violation of the Fair Credit Reporting Act ( FCRA ) and further underscores the need for proper validation of the debt. Without the required documentation, I dispute the validity of this debt and the accuracy of the information being reported. 

As I previously stated, I am formally requesting that you cease all collection efforts on this debt until the full and complete documentation is provided. This includes reporting this debt to the credit bureaus, as the absence of the requested documentation raises significant concerns about the validity of the debt and its reporting. 

Please be advised that should these documents not be provided within 30 days, I will consider this matter unresolved and will pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies if necessary. 

I appreciate your prompt attention to this matter and look forward to receiving the full documentation as requested. Until then, I expect that all collection actions, including credit reporting, cease.