davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-09
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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 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 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally lodge a complaint against TransUnion regarding a significant error in my credit report that have not been resolved despite my efforts to address them directly with the company. 

**Details of the Complaint : ** XXXX. **First Progress Bank Card Account ending in 5781.Information : ** - XXXX XXXX  XXXX - Birth Date XX/XX/XXXX XXXX. **Description I have identified an inaccuracy in my credit report obtained from TransUnion XXXX including the wrong balance information. I will upload a screenshot of my credit cards current balance, and available credit. Current balance $ XXXX, and Available credit is {$200.00}. I have contacted TransUnion on several occasions to dispute this inaccuracy, but it remaina uncorrected. 

XXXX. **Resolution Sought : ** I request that the FTC investigate these practices by TransUnion XXXX I believe that their failure to address this inaccuracy violates consumer protection laws. 

Thank you for your attention to this matter. I look forward to your response and any assistance you can provide. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-28
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: Experian Information Solutions Inc. (IL)

Recently I looked at a copy of credit report and noticed several inaccuraties on my account. This account is hurting my ability to obtain credit. Its to my understanding that the credit bureaus will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate- XXXX XXXX XXXX
Consumer complaint received 2024-08-16
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. (OK)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-08-16
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. (IL)

I am filing a complaint against TransUnion for failing to conduct a reasonable investigation into inaccurate items on my credit report, as required by the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail with tracking number XXXX. In this letter, I requested an investigation into several inaccurate items on my report, as well as corrections to incorrect personal information listed on my credit report. 

To assist TransUnion in verifying my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. However, I received a response from TransUnion dated XX/XX/year>, stating : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, when a consumer disputes the completeness or accuracy of any item of information in their credit file, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. It is clear that TransUnion has failed to fulfill this obligation, thereby violating my consumer rights under the FCRA. 

I am including a copy of my dispute letter sent to TransUnion and their response as evidence.
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX, XXXX. I remitted money to XXXX through sigue corp on XX/XX/year>. The order number is : XXXX, the amount is {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>. XXXX XXXX also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Held : the XXXX Judge erred in refusing petitioner 's demand for a trial by jury of the factual issues related to the question whether there had been a breach of contract or a trademark infringement, and the Court of Appeals should have corrected that error by granting the petition for mandamus. Pp. 369 U. S. 470-480.

Dairy Queen , Inc. v. Wood, 369 U.S. 469 ( 1962 ) We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion. 

Costs are awarded to plaintiff against those defendants who have been served. 

Simmons v. Abruzzo, 49 F.3d 83, 88 ( 2d Cir. 1995 ) Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP (CA)

US bank has reported on my XXXX XXXX  that there is a remaining balance on my account I have attempted to resolve this with their customer service department and their collections department and they have left with with no choice but to make a complaint with the CFPB and XXXX  due to their noncompliance of their own policies. 

I know they usually read a disclosure upon opening up an account with them as any bank should, but since I wasn't present in the account opening process ( via unauthorized account opening ). 

The second issue is when I called US Bank a second time they told me that this account was something called a " Safe-Debit '' Account and they do not allow overdrafts at all from what the representative said. 

I also did mention that I made a police report to the local authorities since I have no knowledge of this account at all. 

Since I didnt open any account with them nor do I have any plans on opening any in the future. 

So to conclude, there a re two main issues in this report. 

XXXX. ) Unauthorized Account Opening. 

XXXX. ) Non-Overdraft Eligible Account I know my rights have been violated, Therefore I DEMAND that this account be removed off of my XXXX XXXX  and every other report that would report a checking account ( ex : XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX etc. ) This has been going on for such a long time with no resolution. 

I will not take this report down please do not call me to negotiate anything to do with this matter. 

Thank you for your time.
Consumer complaint received 2024-08-16
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)

Recently I looked over my credit reports and noticed credit inquiries that I do not recall authorizing, made by the following companies : Inquiries : XXXX XX/XX/2024 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent disputes to TransUnion, XXXX, and XXXX regarding inaccurate information being reported on my credit report. In these disputes, I specifically listed the accounts in question and clearly outlined the violations being made to my consumer report. 

It has now been over XXXX  days since those disputes were submitted, and I have not received any response from these credit reporting agencies. I am attaching copies of all letters that were sent for your reference. 

This company has violated the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( b ) by failing to mark this disputed account as disputed on my credit report. 

I request immediate action to rectify these issues and ensure that the disputed account is properly marked as disputed on my credit report. I expect a prompt response to this matter.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I have received a copy of my consumer disclosure report and consumer score report from Chex systems. Which do not match what they are reporting to lenders who request to see my report. My consumer disclosure report states ( XXXX. XXXX Recent unique XXXX XXXXXXXX inquiry history ) ( XXXX. XXXX XXXX since XXXX inquiry activity ) ( XXXX Insufficient XXXX  Inquiry activity Same XXXX  ) These false negative factors are damaging to me. Chex System recently updated and removed Fraudulent inquiries from my report due to identity theft. But include these factors as if those fraudulent inquiries/information was still present or they weren't aware of the the fraud.
Consumer complaint received 2024-09-17
Product: Debt collection — Payday loan debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC (FL)

on XX/XX/XXXX P & B Capital texted me I requested them to stop on XX/XX/XXXX P & B Capital texted me again but from a different phone number I requested them to stop on XX/XX/XXXX P & B Capital texted me again from a different phone number I asked them stop on XX/XX/XXXX P & B Capital texted me yet again from a different phone number Also in XXXX I spoke with a gentleman with P & B Capital group we discussed the account I explained my situation that was currently going on, the gentleman got very belittling, condensing told me I needed to grow take responsibility for my debt and make a payment in the amount of his choosing or I would be sued and the judge will garnish my wages, and then I can tell my XXXX story to someone else.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (TN)

this company is reporting fraudulent inaccurate Information on my credit report. i have requested that they provide the purchase agreement to show full ownership of such account and also other documents so i may review to see if this is actually an account that belongs to me
Consumer complaint received 2024-08-16
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. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX, has violated my rights .

15 U.S.C 1681 section 602A. 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 or 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
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: Early Warning Services, LLC (NY)

RE : Consumer ID # ( XXXX ) Dear Collections and Consumer Relations Dept. : This letter is in response to your recent claim that XXXX XXXX account # : XXXX has XXXX XXXX verified that I have an unpaid debt with them. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX  Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX XXXX regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX bearing my signature, showing that I have a legally binding contractual obligation to pay them. A bank clerk looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. 
Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Ive noticed unauthorized inquiries on my credit report that I would like to get removed XXXX XXXX XX/XX/year>2023 Capital one XX/XX/year>2023 - XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 Capital one auto financial XX/XX/year>2023 - XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 XXXX XXXX XX/XX/year>2023 - XX/XX/year>2023 XXXX  XXXX XXXX XX/XX/year>2023 XXXX XXXX  XX/XX/year>2023 - XXXX/XXXX/2023
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: M&T BANK CORPORATION (MD)

I am a XXXX  XXXX and I try to do XXXX  XXXX  on the side a person disguised as a mother who wanted a commission for her son. A few days in, she emailed a check for me to deposit ( I did know not to do that at the time ) and a day later, I have a at the time {$1300.00}, now {$940.00} overdraft fee Ive tried to dispute the claims with no success
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (CA)

On XX/XX/year> while I was requesting some information from my bretheren from the church my XXXX went haywire and shutoff then a blue screen took it in the shop could not shut it off and my issue I was hacked just as XXXX  said so i BOUGHT A NEW PHONE BUT AFTER THAT MY LIFE went to XXXX as XXXX accounts shoed up on my credit report XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit report, I noticed the presence of late payments. Despite sending letters over 30 days ago, I have not received a response, nor have they provided satisfactory validation. I kindly request your assistance in resolving this issue.
Consumer complaint received 2024-08-16
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX SSN : XXXX Re : To correct/update my personal information To whom it may concern, Please see the attached My only legal name is XXXX XXXX XXXX XXXX. 
My only mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL My only social security number is XXXX My only phone number is XXXX Please remove and correct all other variations of the above information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX that you have on my file for me at your agency because if not I may be Regards, XXXX XXXX XXXX XXXX