davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-23
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 XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-09-23
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)

Recently. Did a investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S code 1681 e ( b ) accuracy of report whenever a consumer reporting agency prepare a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information dispute by 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 notify the furnisher of that information that the information has been modified or deleted from file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-27
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. (WI)

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. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 antedates the report by more then 7 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 2024-09-23
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My credit Report is showing an account of consumer XXXX XXXX XXXX XXXX and they call and XXXX  Me daily about an account that was included in Bankruptcy # XXXX I was not aware that was on my credit report this account should not be furnished on my consumer report as in violation of XXXX XXXX XXXX of a purpose of Consumer Reporting under which section XXXX never gave any consumer reporting agency any Wriiten Consent to Report anything under my Consumer Reports which violates my of Federal Prorection as a Consumer I am demanding a Deletion of this Account off my Consumer reports
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

XXXX XXXX will not provide me with the purchase agreement from XXXX or XXXX XXXX  They claim I owe these debts But I asked for proof and they cant show me he literally said in the chat it is not my debt This needs to be removed immediately from my credit Report!!!
Consumer complaint received 2024-09-22
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 believe it was around XX/XX/year> or XX/XX/year> even I logged in to my XXXX XXXX. It showed I had outstanding odds on a XXXX  XXXX card and that I could apply for it, without it affecting my credit. So after letting my partner know that it wouldn't affecting my credit, I tried it. The following day I log in to my XXXX XXXX and it shows I had a HARD inquiry and my credit dropped XXXX points. I feel mislead. The only reason I tried it was because it said it wouldn't affect me. So I feel scammed. I contacted XXXX XXXX and the representative said I could dispute it as a fraud because I didn't authorize it.
Consumer complaint received 2024-09-23
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)

Recently i did an investigation on my credit report and found several items on there to be inaccurate Under XXXX XXXX XXXX XXXX ( b ) XXXX XXXX Code XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXXXXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX  XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry : XXXX XXXX, XXXX + Automotive XXXX  XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive XXXX Inquiry : XXXX XXXX, XXXX + Bank XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Credit Union XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-25
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. (GA)

I lodged a complaint with these Bureaus XXXX XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX XXXX since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-07-27
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)

am writing to express my deep frustration and disappointment concerning the ongoing issues I have been facing while trying to correct late open accounts with 3 Credit Bureaus. These inaccuracies have been causing significant distress and financial hardship, and despite my multiple attempts, the situation remains unresolved. I believe it is essential to provide an overview of the numerous attempts I have made : I first noticed the late open accounts on my account and promptly contacted your customer service department. I explained the situation and submitted the required documentation, including [ provide a brief description of the documents submitted. I was assured that the issue would be corrected promptly. After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. Please help me correct the following accounts : XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX : {$240.00}.
Consumer complaint received 2024-09-22
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. (TN)

This account ( XXXX XXXX XXXX XXXX Account Number : XXXX ) was charged off on the following date : XX/XX/year>. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is XX/XX/year> and on Transunion its XX/XX/year>. If the information is coming from the original creditor the dates should be the same. We can not say that these are 100 % accurate so it is deemed INACCURATE. Please delete these accounts from my report.
Consumer complaint received 2024-09-25
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. (GA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TN)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me
Consumer complaint received 2024-09-19
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. (NY)

Hi my name is XXXX XXXX, 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Yesterday, I received reports and credit score changes for XXXX XXXX XXXX, also known as XXXX, loans that were reported recently. 

When reviewing my XXXX, I see updated yesterday had the same information but only showing updated details to the account from happened about deferment becoming a fixed rate. 

Transunion was given the same information leading up to this as updates, but affected my credit scores even though Im currently on deferment. And in some of my credit reporting apps they are showing as 2 separate loans entirely. 

These were reported last on XX/XX/2024. 

Balances : Ending in account number - XXXX {$5400.00} Ending in account number - XXXX {$3700.00} Ending in account number - XXXX {$2300.00} These were reported last on XX/XX/2024. 

Balances added to a new account : Ending in account number - XXXX {$3600.00} {$2300.00} {$5300.00}
Consumer complaint received 2024-09-22
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. (GA)

I am urgently notifying you that I have been a victim of identity theft, which has resulted in numerous fraudulent accounts appearing on my credit report. These accounts were opened without my knowledge or consent, and I am demanding immediate action to address and remove them. 

ACCOUNTS - XXXX  XXXX - XXXX  XXXX - XXXX  XXXX - XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX I have filed an identity theft report with the Federal Trade Commission XXXX FTC ) and insist on the prompt removal of these fraudulent accounts to restore the accuracy of my credit report.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

XX/XX/XXXX a cashiers check was deposited into my account. It was returned with a letter from my bank, refer to maker please contact the person who gave you this check for more information. The check was issued to me from CHARTER ONE BANK, in the amount of {$3500.00}, dated XX/XX/XXXX. ( I closed out an account I had there ) XX/XX/XXXX I contacted unclaimed property, Michigan.gov. Spoke with XXXX ( XXXX ) who said nothing was listed for CHARTER ONE. Called Charter One, which is now, XXXX XXXX. I spoke with XXXX XXXX XXXX ) in the garnishment dept. XXXX and was told it would be looked into and they would get b @ ck to me. 
I called back and sent documentation of the check, to no availemailed etc., no response. 
XX/XX/XXXX spoke with XXXX in garnishment dept., sent all copies of check by email, XXXX XXXX XXXX, she confirmed receipt. Sent another email to XXXX on XX/XX/XXXX requesting info I needed to start a claim, no response. 
XX/XX/XXXX called XXXX, she said it should be turned over to customer resolution. 

Called XXXX XXXX in XXXX, Michigan, spoke with XXXX, she said I need Legal Council from Citizens B @ nk, corporate headquarters in XXXX, XXXX XXXX, XXXX, XXXX XXXX. 
Checked Escruated Property Reclamation in Rhode Island. NOTHING found. Looked under XXXX XXXX, nothing found.
Consumer complaint received 2024-07-26
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. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

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 2024-07-27
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. (NY)

To Whom It May Concern : I want to stress how crucial correct credit reporting is for maintaining the integrity of the credit reporting system as well as for my own financial security. To maintain fair and transparent processes, credit reporting organizations such as yours must satisfy their requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA was established to safeguard consumers like myself as well as other people 's privacy, and you will obey the law! Alternatively, you risk having to pay me {$1000.00} as a result of your noncompliance with 15 USC 1681n civil responsibility. 


I have been trying to work my way through your maze-like dispute resolution procedure for months in the vain hope of finding a solution that never seems to come together. At every turn, I've run into obstacles, delays, and an overpowering sense of dissatisfaction rather than solutions. It's depressing to observe how little consideration your organization appears to have for the serious consequences these mistakes may have for people just like me.

I have experienced financial damages as a result of multiple attempts to file a complaint, in accordance with 15 USC 1681n Civil Liability for Non-Complaint. As a result, your company owes me {$1000.00} plus my attorney fees, which will be related to my pursuing legal action. I hope you can see that this is my next course of action. I hope you realize that I have meticulously documented every response you have given me.