davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have asked Transunion to remove the XXXX XXXX XXXX inquiry and they have not done so yet. This inquiry is not mine and I do not recall any inquiries with this company. I need Transunion to remove this inquiry asap. This is negatively affecting my credit score.
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: EQUIFAX, INC. (TX)

Thank you for reading my request about this account with your company. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that this account was charged off with Equifax. 

I am requesting that your company please forward me a copy of the 1099-C that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}.

Please also enclose a printed copy of my payment history or you may also email it to me at XXXX please do not send any marketing or other account information to this email address I have no desire to have spam at this location and I track everything by standard USPS mail at my home address listed above. 

If for some reason this was an error, please send me the past due amount that will re-establish my account into good standing with your company and payment will be provided within XXXX business days of the written confirmation. 

Thanks in advance XXXX XXXX XXXX Date XX/XX/year>
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: EQUIFAX, INC. (NV)

in according with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
XXXX section XXXX States I have the rights to privacy. 
XXXX XXXX XXXX section XXXX A section XXXX : it Also state a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-07-18
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 writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-07-18
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. (FL)

I am writing to have the following information removed from my credit file, the terms 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 have been denied credit cards home loans because of this and my character has not only been defamed but my mental and physical health have suffered greatly. There is no law that says a consumer reporting agency MUST furnish information about a consumer which is why congress made it very clear that XXXX, transunion, XXXXASSUMED this VITAL role pursuant too 15 USC 1681 ( a ) ( 3 ). Also, XXXX, transition, XXXXfailed to be fair and repect my privacy according too 15 USC 1681 ( a ) ( 4 ). I am requesting valid proof and documentation that these negative items were investigated fairly and properly. XXXX, Transunion, and XXXX is in violation of several federal laws including responsibility they have to protect my privacyI ask that these be deleted so my credit report 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. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-18
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. (CA)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-07-18
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. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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)

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 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (ME)

On XX/XX/XXXX Citibank cashed a check issued to them in the amount of {$11.00}, XXXX from a XXXX checking account. That check was sent through a bill pay on XX/XX/XXXX. Those funds were supposed to be sent to a XXXX XXXX credit card account as I NO LONGER have a credit card with Citibank NOR owe anyone from Citibank any money. I opened my account with Citibank on XX/XX/XXXX and that account was closed on XX/XX/XXXX with a XXXX balance. 

My intentions were to pay off my credit card with XXXX XXXX and I mistakenly hit my old payee account with Citibank 's information on it. My money was taken and cashed by Citibank. 

I have reached out to Citibank more times than I can count and I was told because my account was closed back in XXXX that no one can help me ( more specifically via phone or a human being ). I was informed I needed to write a letter to Citibank Customer Service XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX XXXX with a picture of the check ( front and back ) issued by XXXX requesting my money back in full. Two letters have been sent now, the second being certified with a copy of the check. 

Both Citi and XXXX claim it's the other banks fault. XXXX still has an investigation pending but there continues to be zero resolution. I am reaching out for any support, help and or direction on how to get my funds back immediately. I reached out to my state of Maine Bureau of Financial Institutions but they do not have on association with Citibank.
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: EQUIFAX, INC. (GA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Greenlight Financial Technology, Inc (OH)

In XX/XX/year>, I opened a greenlight account for my daughter to invest some money. After 3 months, I wanted to close the account so I didn't have to pay the $ XXXX  monthly fee. The fee had been deducted from my daughters primary bank account. So, when Greenlight stated that the funds would be put back in electronically, I didn't question it. After 3 weeks and the funds still weren't there, I called to inquire. Greenlight stated that they didn't have that information and were going to mail the proceeds from the account to us. The verified the address. It's been another month and we still don't have the proceeds from the account. 

I feel that I'm entitled to the funds from my account plus any interest Greenlight has made off my money in the last 2 months illegally.
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. (TX)

XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with The Fair Credit Reporting Act, the following 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 15 USC 1681 section 602 ( a ) states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 for convictions of crimes which antedate the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) states 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 may be inaccurate.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On XXXX XX/XX/year> I applied for a Costco Anywhere Visa from Citicard. I received an email on XX/XX/XXXX with an attachment telling me that they were unable to approve my application because they couldn't verify some of the information on the application but gave no specifics. I called them to ask if they could give me some more specific information as to why I was denied. At first I was told that there was nothing they could do and could not give me any info over the phone so I asked to talk to supervisor and was told no. After persisting I was transferred to another department and was told that a letter was sent to me in the mail and to expect it in about a week. I did not receive the letter. On XX/XX/XXXX I called again and was told that they could not help me so I requested an Adverse Action notice to tell me why exactly I had been denied credit and what I could do about it. I was told that I would get an email and that a letter would be sent to me. I received an email again saying that they were unable to approve my application because they couldn't verify some of the information on the application but gave no specifics. I did not receive the letter that I was told would be mailed to me.
Consumer complaint received 2024-07-18
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

i have been notified through transunion reports that XXXXXXXX XXXX XXXX prior to 2012 was removed, as requested previously due to 10 year limit. however, at this current time i became aware that there were taxes/payments withheld from me to be allocated to the XXXX  debt. it was allocated to older tuition, the tuition that was to be paid by post secondary enrollment program by the highschool. I would like those previous payments re-allocated to XXXX  debt after my completion of highschool and the XXXX  program. 

they have been applying these funds to debt i was not responsible for under this program. that needs to be re-applied properly to the debt on my account, i.e. XXXX  loans 2012 and after.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I Am unaware of this debt and i did not have the proper oportunity to dispute this debt. 

However, if you believe is mine I would like to request from you the certified receipts with my signature where I receive proper notice from you, 15 USC 16 81 I 5 requieres a debt collector to properly notify a debtor of any debt collection account they received within 5 days.

You may send the certified return With signature that you send me to my current adresss
Consumer complaint received 2024-07-18
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. (PR)

I want that these account be removed because the payment history reflects continued reporting a charge off after this account was closed.this represent an improper use of my crdito report. 

XXXX XXXX XXXXXXXX XXXX. XXXX
Consumer complaint received 2024-07-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-18
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)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked.
Consumer complaint received 2024-07-18
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)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-08-16
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. (CA)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The TRANSUNION credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX {$1600.00}
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent you a letter last month because you are reporting some late payments that are NOT accurate and I asked you to update these late payments to ON TIME PAID AS AGREED. 

You seem to not understand how serious this is because you have not fixed this issue for me. Please look at this letter as it is my 2 ' time notifying you of some items that are incorrect, these are NOT Accurate on my credit reports. 

I have listed the account name and account number below along with the dates you are reporting late, and those dates need to be changed to PAID AS AGREED. 

Account name : XXXX XXXX XXXX Account number : XXXX Dates reporting NOT Accurate : XX/XX/XXXX and XX/XX/XXXX, Please fix this immediately, this is my XXXX letter and I am trying to buy a home. 
Thanks for your help,
Consumer complaint received 2024-07-18
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. (NE)

I am writing to formally request your assistance in addressing issues on my credit report that is causing significant difficulties in my ability to secure housing and obtain loans. Despite having settled and paid the debt in question, it is still being reported as a collection charge-off, which is adversely affecting my credit score and overall financial standing. 

I can include copies of the settlement agreement and proof of payment for your reference. 

Despite my efforts to resolve this matter directly with the creditor and the credit reporting agencies, the charge-off remains on my report. This inaccurate reporting is severely impacting my ability to secure necessary financial resources, including loans for housing. The ongoing presence of this settled and paid debt is making life very difficult for me and my family. 

I kindly request that the Consumer Financial Protection Bureau intervene to have this settled and paid charge-off removed from my credit report. This adjustment will accurately reflect my financial responsibility and will allow me to rebuild my credit standing. 

Thank you for your attention to this matter. I appreciate your assistance and look forward to a prompt resolution.