davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-21
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)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file 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
Consumer complaint received 2024-10-21
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)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2024-10-21
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. (NY)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (CA)

ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. 
To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. 
On XX/XX/year>, at XXXX XXXX, I spoke to XXXX XXXX XXXX identified himself as personaXXXX XXXX at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX He stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening. 

This is important the interpretation of the clause now remains THE SAME meaning as before I opened the account by a banker at the branch, who has the ultimate knowledge.

I certify I am telling the truth and only the truth.
Consumer complaint received 2024-10-20
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. (CA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-21
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. (FL)

Subject : Formal Complaint Regarding the Re-insertion of Previously Removed Fraudulent Credit Inquiries by Transunion To whom it may concern, I am writing to file a formal complaint against the credit reporting agency Transunion due to the unauthorized re-insertion of fraudulent credit inquiries into my credit report, which had been previously removed following an investigation conducted in accordance with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I filed a dispute with Transunion concerning fraudulent inquiries that appeared on my credit report. After conducting their investigation, Transunion properly removed the inquiries in question. I received written notification fromTransunion confirming the removal of these items from my report. A copy of that letter is attached for your reference. 
Inquiries : XXXX XXXX XXXX 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 However, upon reviewing my recent credit report, I have noticed that these fraudulent inquiries have been reinserted without any valid justification. This constitutes a violation of the FCRA, specifically with regard to the re-insertion of inaccurate information without providing the proper notifications required by law. 

I respectfully request the CFPBs intervention to ensure that Transunion rectifies this issue immediately by permanently removing the fraudulent inquiries from my credit report and ensuring that such errors do not occur again in the future.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Subject : Request to Remove Closed Credit Card Accounts from Credit Report Dear Sir/Madam , I am writing to formally dispute certain entries on my credit report that pertain to closed credit card accounts, which continue to inaccurately report balances or account activity, affecting my credit score. The accounts listed below have been closed or charged off, yet they continue to report updates without my consent, in violation of both federal and XXXX  XXXX XXXX  : XXXX XXXX XXXX XXXX : Not listed Last Balance Update : XXXX XXXX XXXXXXXX Balance : {$4400.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX Balance XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  XXXX  Balance XXXX {$0.00} Last Balance Update : XX/XX/year>XXXX XXXX XXXX XXXX  Balance : {$0.00} Last Balance Update : XX/XX/year> XXXX XXXX, XXXX. 

Balance : {$530.00} Last Balance Update : XX/XX/year> XXXX XXXX Rewards Balance : XXXX XXXX XXXX XXXX  Update : XXXX XXXX XXXX XXXX  Balance XXXX {$0.00} Last Balance Update : XXXX These accounts are either closed, charged off, or have no balance due, and they should no longer impact my credit score or report any updates without my express consent.

Legal Violations : Fair Credit Reporting Act ( FCRA ) : As per 15 U.S.C. 1681c, closed accounts should not continue to report inaccurate balances or account updates. The continued reporting of erroneous balances is a violation of this law. 

XXXX  XXXX XXXX XXXX ( XXXX  XXXX. XXXX XXXX XXXX ) : The state law prohibits the dissemination of inaccurate information and deceptive practices. Reporting closed accounts with misleading or incorrect balances qualifies as such practices. 

I request that these accounts be immediately removed from my credit report, as they reflect inaccurate information. I have not provided consent for any continued reporting of these closed accounts, and they should no longer be included in my credit report. I have enclosed a copy of my credit report with the disputed entries clearly highlighted for your reference. 

Please conduct a thorough investigation and correct my report as required by law. I also request written confirmation once the inaccuracies have been addressed and removed. Should this issue remain unresolved, I will have no choice but to take further legal action under both federal and state laws to protect my rights. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and the removal of the disputed accounts.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : * Identity : I am the individual whose name appears on the credit report issued by XXXX, XXXX and, TRANSUNION XX/XX/XXXXXXXX 

* Dispute of Late Payments : I dispute the accuracy of the following late payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error.

* Request for Removal : I request that the credit reporting agency remove these disputed items from my credit report immediately.

I declare under penalty of perjury that the foregoing is true and correct.

Request for Removal : I request that the credit reporting agency remove these disputed items from my credit report immediately.

I declare under penalty of perjury that the foregoing is true and correct. 
Executed on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-02
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: ALLY FINANCIAL INC. (NV)

I transferred XXXX dollars twice from my ally to my XXXX One in the form of a transfer and one in the form of a XXXX  through a parent so it would be faster. I did this because I accidentally sent XXXX dollars twice from my XXXX to my ally and it went into overdraft. Long story short. Both of the XXXX dollars get to where they need to be with two charges on each account and where the problem comes in is on the XXXX of XXXX I have an XXXX return deduction on my ally. So a third XXXX dollars is deducted only from my ally. I spent XXXX hours in total over the span of a week trying to figure out where the floating XXXX dollars is and I keep getting the run around that it failed and was returned but it never did. I was told twice that it would be in my XXXX and it was and then I was told it would be " absolutely 100 % '' in my ally in a day or two and I waited and it's still not there. the ACH Return is labeled as a deduction as XXXX instead of a credit for a failed transfer. Ally owes me XXXX dollars and before I get my lawyer I'm going through you. I've been sent on a XXXX XXXX XXXX for days between ally and XXXX  and I just want my XXXX dollars back.
Consumer complaint received 2024-10-21
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. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Consumer complaint received 2024-10-21
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)

I am submitting a second formal request to correct my credit report. In my previou dispute, submitted on XX/XX/XXXX, I have not received an adequate or satisfactory response regarding the incorrectly reported late payments. 

It is important to note that the payments in question occurred during the COVID-19 pandemic, following my job loss due to the crisis. Under the CARES Act, signed into law on XX/XX/XXXX, and extended until XX/XX/XXXX, credit reporting agencies were required to stop reporting negative information for consumers affected by the pandemic in certain circumstances. This law amended the Fair Credit Reporting Act ( FCRA ) to protect consumers like me who experienced financial hardship due to COVID-19-related job loss.

I am requesting that you review the late payments listed on my credit report during this period and update the information to Paid/Agreed for the applicable months and years. This dispute refers to the following incorrectly reported payments : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2024-10-20
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. (IL)

I recently reviewed a copy of my credit report and noticed information regarding inquiries to be in error. I have no knowledge of reported inquiries and have not granted access or authority to my credit report.
Consumer complaint received 2024-10-21
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. (NJ)

Please note that my information was used without my consent. 

An account under collection is reported as : XXXX XXXX Also inquiries which I did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX took over our loan without our knowledge. It caused for lots of confusion in where payments were going. We had no idea and were paying both mortgage companies for over 6 months. During the transition our home burned down and we were displaced and not regularly receiving mail so I called in multiple times. We were sending payments in to XXXX XXXX but it wasnt going to the correct department. We had no idea. They have provided an incorrect address twice in XXXX  years. They also adjusted our mortgage without our knowledge making the auto pay not be enough to cover. They have never been paid late, as all of our payments have been on auto draft from my bank. Ive been trying to resolve this for a year and Ive been sent to several escalation departments or supervisors but no action taken. Ive provided historic payments for XXXX  months showing money being mailed on the first of each month. When reviewing with customer service they acknowledge that the payments did come in but were not processed timely due to them being in the wrong desk of XXXX XXXX. The supervisor corrected the address with my bank for future payment but refused to modify the adverse reporting. He also share that there was some type of late charge that had been carried over from a previous mortgage when they took my loan. Ive never been told of that but its whats been reported as over 90 days late and transfers month to month. Im in dispute about the {$440.00} late fee and refused to pay it with clear explanation to validate it. That could not be provided. We have over XXXX in equity in our home and recently experienced life altering circumstances forcing us to request equity. Because the the adverse reporting, we are unable to access our equity and when trying to get away from XXXX XXXX, no one will take us due to the late payment reported. The supervisor I mentioned advised me to report this to the credit bureaus and even gave their address and process for adverse reporting. He said he was looking in the notes and could clearly see the problems but was not able to modify on his end but the investigation would show it when they called and it should be corrected. Trans union reached out but said that I need to get XXXX  to change it so thus nothing is being done and my family remains in dire need to access our equity. Please help us!!!
Consumer complaint received 2024-10-21
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)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-20
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. (WA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I recently on XXXX requested detailed description of all procedures used in the XXXX bureaus verifying that payments were ever late. The XXXX bureaus responded that they received information from XXXX and XXXX that I was late but did not provide what I asked. Also I never gave permission for my information to be shared with a third party. And even if information was given that is legal all information would be the same among all XXXX  bureaus and is not. Im showing proof that the information is inaccurate and would like it to be removed immediately and updated. Also I will be reaching out yo an attorney due to several of my rights being violated per FCRA 15 UD code 1681, code 611 ( a ) ( 7 ), as well as code 605b
Consumer complaint received 2024-10-21
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. (TX)

I am a victim of ID THEFT XXXXXXXX XXXX XXXXXXXX SHOULD NOT ME ON MY CREDIT I HAVE ATTACHED FTC REPORT XXXX ACCOUNT NUMBER
Consumer complaint received 2024-10-20
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)

In proper use of my information per Privacy act 5UCS XXXX XXXX Acct # ending in XXXX {$3800.00} Acct # ending in XXXX {$3400.00}
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  # XXXX has violated my rights. 

I looked at my Transunion credit report on XXXX, XXXX 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.