davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am Inquiring about the Validy of XXXX XXXX XXXX XXXX XXXX that is Charged off on my Credit reports that is Constantly Misreporting Inaccuracies this account has been on my report 7 years and charged off 4 years every month, Misreporting Active Payment History, Late inconsistent Balance Reporting, Reaging Debt due to stature of Imitation, unlawful Changes in Deliquency Dates which is violation of my Rights under FCRA 15U.S.Code1681.i am Demanding a Deletion of Consumer XXXX off My Credit Report
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Following significant data breaches, including those by XXXX XXXX XXXX and XXXX, my personal information was exposed, leading to identity theft. Starting in XX/XX/year>, my credit report was impacted by several unauthorized inquiries and the opening of a business account, which I did not consent to. Entities such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX  were involved, and an unauthorized business line of credit was charged off as bad debt with a balance of {$650.00} by XX/XX/year>. 

I have already supplied Transunion with the proper documentation!! They are using this unable to locate credit report-dispute request as a tactic to slow this process and I am not going for it at all. 

All of the complaints has been forwarded to the federal lawyers for review. 


I have submitted disputes to all major credit bureausTransUnion, XXXX, and XXXX while the other bureaus have removed the unauthorized information, TransUnion has failed to conduct a thorough investigation. This ongoing delay has forced me to contact the XXXX XXXX XXXX and pursue legal action under the Fair Credit Reporting Act ( FCRA ). Per the FCRA, as outlined in the provided attachment, TransUnion is required to remove or correct unverifiable information, which has yet to happen despite several attempts to resolve the issue. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), consumers have several key rights to ensure the accuracy, fairness, and privacy of their credit information. Specifically, this law mandates that : Credit reporting agencies must investigate disputes regarding inaccurate or incomplete information on a consumers credit report. They are typically required to resolve such disputes within 30 days. 
Inaccurate, incomplete, or unverifiable information must be corrected or deleted from the consumers credit report. If the information can not be verified within the legally required timeframe, it must be removed. 
Consumers have the right to know what is in their file and can request a free credit report once every 12 months from each of the major credit bureaus. 
Consumers must be informed if information in their credit file is used against them in applications for credit, employment, or insurance. 
Consumers have the right to take legal action against credit reporting agencies or creditors that violate the FCRA, including seeking damages for violations. 

In my case, TransUnion has failed to properly investigate and resolve multiple disputes regarding unauthorized accounts and inquiries on my credit report. Despite providing all required documentation and initiating disputes, these inaccuracies have not been corrected, in violation of FCRA ( 15 U.S.C. 1681 ). Therefore, I am now pursuing legal action to protect my rights and restore the accuracy of my credit report.
Consumer complaint received 2024-09-24
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. (LA)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the REMOVING of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-24
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)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I talked to XXXX XXXXXXXX XXXX  and trust to look at these dates of Mortgage statements payments! 
XX/XX/XXXX XXXX -- Paid {$1.00}, XXXX XX/XX/year> -- Paid {$800.00} XXXX Because on my credit reports state late payment!!! 
My proof is my dates on my bank checking account ( online account ) Sent proof of all docs needed to verify my info. 
UNIITED STATES LAW STATES /WITH CONTRACT PAY MORTGAGE ON THE XXXX OF EVERY MONTH! 
2 WEEKS GRACE PERIOD XXXX OF EVERY MONTH ( TO PAY MORTGAGE ) XXXX OF EVERYMONTH TO PAY MORTGAGE, PAYS LATE FEE {$9.00}.
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. (PA)

I was shocked to see inaccurate accounts appear on my credit report this morning, and I have no clue why theyre there. I check my credit regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it was a glitch, but nothing changed. The inaccurate accounts stayed after multiple refreshes. Because of this, Im urgently requesting that the documents Ive sent be reviewed thoroughly so I can put this worry behind me for good.
Consumer complaint received 2024-09-25
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. (PA)

Earlier today, I found unauthorized inquiries on my credit report, and I can't figure out why. When I usually check my report, everything is fine, but this time I found these discrepancies. I refreshed my browser hoping it was an error, but the unauthorized inquiries stayed there. I'm requesting a detailed review of the documents I've sent to prevent this from happening again and finally put this issue to rest.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-09-25
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. (OH)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-11-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (CA)

I have been a victim of identity theft, and several fraudulent collections and accounts are reported on my credit report. I discovered the collection agencies and the creditors regarding these fraudulent accounts. I sent them the identity theft report that they requested from me from the FTC, and they never responded to me. I have informed XXXX XXXX XXXX XXXX XXXX XXXX that I never opened any accounts from them. Someone used my information to open a fraudulent account under my name without my permission, consent, and knowledge. I have requested the collection agencies, credit bureaus, and credit card companies to send me a record of the application filed with them when the account was opened, and not one of these parties could produce such a document. The collection agency recently sent me a statement of this account, which is not even mine. The information on the account does not match my data. The account 's address that was opened and where a card was sent to is entirely different from mine. I want these derogatory, fraudulent accounts removed from my credit bureau and never reported on my records. The collection company XXXX Cavalry Portfolio Services, a credit card company, XXXX XXXX, that is pursuing the collection of a fraudulent account.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} XX/XX/XXXX XXXX XXXX {$1100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$740.00} XX/XX/XXXX AFFIRM XXXX XXXX {$83.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX, TX XXXX INQUIRIES NOT RECOGNIZED XXXX Bank XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX XXXX XXXX5 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (IL)

DEPT OF EDXXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3500.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$3600.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX XXXX Original balance {$2200.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened XX/XX/XXXX XXXX Original balance {$2000.00} Status : Closed Status : updated XX/XX/XXXX DEPT OF ED/XXXX, XXXX Date opened : XX/XX/XXXX Original balance {$1700.00} Status : Closed Status : updated XX/XX/XXXX They have and /or are continuing to violate my rights.

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 2024-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CO)

A few days ago, on XX/XX/XXXX, I noticed a fraudulent withdrawal of {$1800.00} from my Wells Fargo checking account. The transaction took place at a branch XXXX miles away from where we live, which we have never visited, on XX/XX/XXXX. Both my husband and I have our debit cards and IDs in our possession, and neither of us made this withdrawal. I immediately reported the issue to Wells Fargo, and they opened a claim, but the claim was denied the following day, stating there was no wrongdoing on their part. 

At the XXXX XXXX XXXXXXXX branch, where the fraud occurred, the staff refused to provide any information when I contacted them. 

I am now highly concerned about potential identity theft and suspect there may be internal collusion within the branch.
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. (TX)

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 XXXX 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 2024-09-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (MO)

I have been making payments on my FFELP consolidation loans since XXXX and I expect I was making payments on the original loans before they were consolidated, although it's so long ago I don't remember and don't even know how I'd get that information. I'm not sure if you can help me or not, but I'm hoping you can steer me in the right direction. 

My original disbursement for the consolidation loans was {$15000.00} on XX/XX/XXXX. The total I've paid to date is {$29000.00} and my balance as of XX/XX/XXXX is still {$5500.00}. I fail to see how I've paid nearly double the original loan amount over 22+ years and I still have a balance. 

How is this possible? I understand that the interest gets capitalized and adds up. But I would like someone to look into this and see if my payments for the past 22 years have been applied appropriately or not. 

I know Navient has been in trouble with the government recently and I expect I was just another young, XXXX college kid that signed up for student loans without any knowledge of what I was really getting myself into. 

These loans were for classes I took in community college when I was XXXX years old. Tuition at XXXX XXXX XXXX XXXX in those days was {$42.00} per credit hour, but they automatically disbursed the maximum loan I was qualified for and the school refunded me the overpayment, and I was completely clueless about finances and assumed that was normal and that I was supposed to use it for books and living expenses. I did not expect that I'd still be paying for those classes in my XXXX when I've already raised kids and put XXXX of them through college. 

Thank you for any assistance you are able to provide.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not liable for this debt with XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as I requested. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXXstep validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

I did not open this account and recieved a letter on XX/XX/year> owing a debt that is not mine. This is an identity theft issue. I have never opened a wireless account before in my life. I have contacted XXXX and was told to go to XXXX submit the problem. This was done previous years.