davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX US DEPT ED XXXX  Balance : {$1200.00} US DEPT ED XXXX Balance : {$1900.00} XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX DPT EDXXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} DP OF EDUC XXXX Balance : {$1200.00} DP OF EDUC XXXX Balance : {$1900.00} XXXX XXXXXXXX XXXX  XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX DPT EDXXXX XXXX  Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$1200.00} US DEPT ED XXXX Balance : {$1900.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-07-25
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)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-25
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. (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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. (AL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( Section 604 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-25
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently returned to the United States and checked my credit report. To my surprise, I discovered numerous inquiries that I do not recognize and did not authorize. These inquiries have appeared across different credit bureaus : TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX These inquiries are unfamiliar to me, and I am concerned about their impact on my credit score and financial standing. I have not applied for credit or authorized anyone to make inquiries on my behalf recently. Given that I have been a victim of identity theft in the past, it is likely that these inquiries are fraudulent and not initiated by me. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these unknown inquiries be thoroughly investigated and promptly removed from my credit report. Unauthorized inquiries that are not related to a transaction initiated by the consumer are violations of my rights under FCRA 1681b.

Please provide clarification regarding the purpose of these inquiries and take necessary action to resolve this matter. I request that you notify me in writing of the outcome of your investigation.
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX XXXX XXXX. XXXX  company is getting away from. Reporting inaccurate FRAUD Government. By reporting inaccurate. Whenever this company responds incorrectly due to these going disputes. Last over 120 days Which has effect my credit rating notice scores .DROPPING.. the credit reporting hasn't reported correctly for quite sometime. .whenever they respond incorrectly. The credit bureau records. Decisions decreed reporting. DONT. Change. I'm bein. Denial for All CREDIT LINES Purchases. This account PAID OFF. When go out and apply for lines credit Been told been turned down not just has it has. affected my scoresit effects INQUIRYS. 25 months HARD credit. Credit bureaus. Try. Having these. Disputes. I DONE 1OX. I HAVE. PROVIDED All NECESSARY DOCUMENTS. BILL.S ALSO THE ORIGINAL OWNER for this AUTO. XXXX XXXX. WHOM. HAS NOTICED HIS account AlSO Recently ( CHANGED ) DECREASE FROM. this. inaccurate. REPORTING from this company l tried using his account fas. EVIDENCE used on an ongoing Dispute Creditt bureau companies. .Whom made changes on his. Account. Without. Give him Proper. Warning. NOTICE changes occurred past this. ( XXXX ) XXXX  CHANGED decision .DECREASING HIS. REPORTING RECORDS FROM THIS company XXXX XXXX Everyone is. Speaking about credit bureaus inaccurately. Report grading. Wonders.is this.technique stunt is bein used. by preventing people for applying for ANY LINE CREDIT. XXXX XXXX account been turned over to ATTORNEY GENERAL .formal worker, veteran bein. denied for Credit Document. PROVIDED SHOWING ACCOUNT. PAID OFF. SOONER. AGREED.UPON. THE. BILL HISTORY Attacks XXXX NO late payments Mades. All on times. NOTICE.CREDIT BUREAU REFUSED changed anything that needs reporting also notice. Are Grades DECREASED .PREVENTED ME FROM, REACH NESS goals life. SCORE NEEDS PURCHASE HOME NOR RENT. I letter payin XXXX other SELF Reporting DEVICES STILL CAN NOT REACH.SCORES FICO. SCORES NEEDED HIRED CREDITS. SPECIALIST. WHOSE NOTiCE. XXXX XXXX. ASWELL WHOMS. Seems be HELPING. XXXX XXXX l company 's. Fraud Government with helping of credit bureaus
Consumer complaint received 2024-07-25
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 received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1500.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this accounts removed upon completion. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-25
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. (PA)

I noticed that inaccurate accounts are showing up on my credit report this morning and I have no idea why. I just checked my credit report as I usually do but this time there were discrepancies out of nowhere. I tried refreshing my browser to see if it was just a malfunction or something but it was not. The inaccurate accounts did not get removed when I refreshed my browser. Because of this issue, I am asking that the documents I've sent will be checked thoroughly so that I can never worry again about this.
Consumer complaint received 2024-07-25
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 sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-10-17
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I called the company, but no one was able to give me information in this regards I was transferred to different departments. When I did reach someone, they had to check with a supervisor, and nothing happened. I did not get a satisfied answer. I want more of the principal payments to apply to the cards so I can pay them down.
Consumer complaint received 2024-10-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC. (OH)

In XXXX of XXXX I signed a loan agreement with ( Santander XXXX ) of which was for XXXX $ with a XXXX % APR on a XXXX XXXX XXXX with monthly payments of XXXX XXXX in the loan agreement it was noted that every day past a late payment would be an additional XXXX $ XXXX day. I have paid over XXXX $ on my loan as of today and STILL somehow owe XXXX $ on my vehicle! I call and try to get an explanation from the loan company but they never give me answer to why whatsoever! I believe there is something illegal going on here and would very much appreciate this situation to get solved.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (NC)

On Saturday, XX/XX/year>, I received a {$50.00} birthday gift via CashApp from my father. I purchased a new phone and transferred all my apps, including CashApp. On XXXX XXXX, when I tried to log in, I was informed my account had been closed without any warning or explanation. 

Since XX/XX/XXXX, Ive contacted CashApp multiple times via their in-app chat, phone calls, XXXX, and XXXX. Each time, Ive only received canned responses and no clear reason for the closure. I was asked to submit verification forms, which I have done multiple times, but received no follow-up or resolution. 

On XX/XX/year>, a CashApp Support Manager named XXXX emailed me, stating my case had been escalated, but no further updates have been provided since then. On XX/XX/XXXX, I called CashApp support and spoke to a manager who stated that the account closure decision was final but refused to give me specific reasons as to why my account was closed. 

This situation has caused significant disruption to my personal and financial life, as I use CashApp to send and receive money from family and friends, including payments for important obligations like an engine payment to my mother. Additionally, I had a limited-edition XXXX XXXX CashApp Card that I paid for, which is now inaccessible and irreplaceable.
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Universal Account Servicing, LLC (CA)

I purchased services on XX/XX/XXXX. I paid a XXXX dollar deposit and signed up for financing. XXXX was set for XX/XX/XXXX but I received info regarding the XXXX  and due to a XXXX XXXX. Due to this I reached out to cancel Services. I was told I would lose out on my deposit but everything is good. A few months later started receiving calls from collection agency. They told me to reach out to the office to which I did. And they said everything was okay to just dispute it and it should fall off because I never received any XXXX. This was XXXX years ago. Now they debt has been moved around and I cant figure out who to contact to settle this.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (MO)

On XX/XX/XXXX at XXXX I placed a call to US Bank to clarify on my availability for notifications upon making a credit card payment. In the past I have had to screenshot or notate the details of my payment at the time of submission otherwise it has not been highlighted upon sign in for my credit card account. Consequently, I have almost made a double payment because I didnt notice any client warning or advisory indicating a payment has already been scheduled. I called in and was connected with a representative named XXXX. Unfortunately, XXXX seemed more focused on her call time than handling my concern with decorum and professionalism. I asked about my available options to get a text or email confirmation of scheduled payments through the US Bank platform. XXXX advised there was an option and it was available in app or online but I must activate this as the client. I proceeded to unlock my phone as I had the US Bank app open. At this point XXXX is eager to rush me off the phone for reasons unbeknownst to me. I communicate I will be locating the setting on the app to appropriately handle my concern. XXXX communicates I need to do this on my own and she can not wait on the phone. I articulate Im not asking her to remain on the line for an extended period but rather to locate the settings in the app. If I jump off the phone and have another question its unproductive to call again, verify my account and wait for assistance when I could simply figure that out while still on the line. She reiterates she is unable to wait and another department will have to assist me if needed. To say I was bewildered would be an understatement as not even 15 seconds had passed from my question being answered to the moment XXXX self centered focus of rushing me off the phone had ensued. Not only was this unprofessional but it was counterproductive to the agents self self serving agenda. I called proactively to be enlightened as how I could better manage the financial account activities and the agent was so rigid about her call time being cut short that she only prolonged the call. This call should be audited for a quality assurance evaluation because I can not imagine that rushing the client off the phone is part of the training process and protocol for one call resolution and satisfaction. Coaching would definitely be essential to promote the development of self awareness, professionalism, and professional competence that XXXX clearly struggles with. I have been a US Bank client since XXXX and have never experienced such arrogant and dismissive behavior from one of their employees of any branch or department. Do better!
Consumer complaint received 2024-08-01
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. 

Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. 

Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. 

I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. 

The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. 
The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. 

I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward.
Consumer complaint received 2019-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I have disputed the accounts below with XXXX, XXXX  and Equifax in which they have not responded to my disputes in over 60 days. Per the FCRA these items must be deleted due to the creditors and credit bureaus neglecting to respond to my disputes. I am requesting XXXX, XXXX and Equifax to delete these inaccurate accounts per Section 609, 611 and 623 of the FCRA. 

XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX/XXXX : Account # XXXX Thank you, XXXX
Consumer complaint received 2024-07-25
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)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries. 

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.