davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (AZ)

Due to IDENTITY THEFT and UCC 5-109 FRAUD AND FORGERY Personal information was breached now FRAUDULENT Inaccurate information has been furnished on consumer 's Credit Report pertaining to XXXX XXXX XXXX in the amount of {$920.00}, XXXX totaling {$15000.00} as TRANSUNION and XXXX further incriminating themselves by allowing fraudulent activity to be furnished on consumer 's Credit Report before and after consumer confronts them about the inaccurate information and fraudulent activity in which XXXX XXXX XXXX INACCURATE FRAUDULENT ACCOUNT has been CLOSED as of XXXX, XXXX 2024 but has not been REMOVED off Consumer 's Credit Report. 

As The XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I am Demanding and ORDER said XXXX to RELEASE The Credits from the XXXX XXXX XXXX XXXX Account held off budget in the XXXX XXXX XXXX XXXX held in XXXX  as it shall be updated to an XXXX XXXX status as I am suppressing the XXXX XXXX XXXX XXXX XXXX via the XXXX, XXXX Section XXXX and XXXX and XXXX XXXX..
Consumer complaint received 2022-10-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-17
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: EQUIFAX, INC. (TN)

HI 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 2024-07-27
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. (AL)

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 2024-07-28
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. (VA)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Identify item ( XXXX ) resulting from XXXX that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ).

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this
Consumer complaint received 2019-12-04
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 — Problem with personal statement of dispute
Company: Auto Properties II, LLC (PA)

Ok on XX/XX/2018 a guy from XXXX came to Estimate hiw much it will cost for a tub replacement. He said I can get a discount if I provide him with my SSN which I did. Then he told me that I can not get the discount because I was not qualified for it. Come to find out he lied and it was for a finance check to see if I can get finance for the replacement. Well I reported XXXX and because of all the lies the guy told me, XXXX gave me the replacement for free which was a {$5300.00} tub free. Well I just checked my XXXX XXXX and it shows for hard inquiries that Hrac/Hampton Road for home improvement on the date : XX/XX/2018 still shows on my credit report which should not show because I never gave permission to check or apply for fiance that is why I got a free tub and the guy was fired to begin with. I contact Hampton at XXXX and they told me that because I signed the paper, they can not remove if my credit. I told him that I have XXXX  and that I can not read or write that will and that the XXXX  guy told me what I was signing which was not a financial or a financing paper. That is also why I got a free bath from XXXX   because it was a violation that they did agenst persons with XXXX from the ADA. Now I have to go though all this once more because this is showing up on my report which they had no business asked for in the first place. Now I thought my business with XXXX was over now I have to fight to remove this from my credit which I never gave them permission to start with. I am asking for {>= $1,000,000} for pain and suffering because I have alot of XXXX  XXXX and this is efficient this is a major way.
Consumer complaint received 2024-07-27
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)

Hello, I have written Transunion several times stating I have Inquiries on my credit report that are fraudulent or identity theft for I never gave permission for these companies to run my credit report. Transunion writes back letting me know to validate my identity even after I send them plenty of proof as I will again today attached. Please inform them of my issue below. 

RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give Transunion permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, Transunion to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2024-07-28
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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have made multiple attempts to kindly and amicably hand this matter with Transunion but to no avail. They just continue to send me stall letters, and automated responses, How is this fair for a corporation to have all this power and no accountability?
Consumer complaint received 2023-11-10
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP (WA)

I opened a {$250000.00} Home Equity Line of Credit ( HELOC ) with Union Bank about a year ago. I hoped to use the funds to pay for a long-needed backyard renovation. I set up automatic electronic payments though my XXXX XXXX XXXX checking account and the process had gone exceedingly smooth until the takeover by US Bank. US Bank has failed to consistently apply submitted payments to my HELOC account, as will be demonstrated below and in the attached document, and as a result has my account in a locked paydown status. If US Bank had consistently applied the payments they received from me, my account would not have met the standard for paydown status and therefore should be reopened immediately. 
It is highly understandable that when two big complex organizations come together, there will be issues, inconsistencies and things falling though the cracks. US Bank clearly has these issues but have failed to own up to them. I have met at least three times with the Branch Manger at the XXXX XXXX XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) and another three times with his colleague XXXX XXXX ( XXXX XXXX ). Both have made a dozen calls within their organization to advocate on my behalf, without success. The consistent message has been he is responsible for keeping the account current and once an account is in paydown status there is nothing we can do ; you would need to apply for another HELOC. I would agree that it is my responsibility to keep the account up to date, but would add that US Bank has a responsibility to credit payments to my account when they receive them, and they have a responsibility to have a smooth handover when acquiring another institution. This is the dispute between the bank and I. I dont believe its my responsibility to overcome their inconsistency and operational clumsiness in merging with Union Bank . I ask for your help in applying some reasonableness to the situation and returning my account to good standing. 
The below is a log of payments made to Union Bank via XXXX XXXX  XXXX electronic transfer bill pay to Union Bank Account Number ending in XXXX. All payments were submitted in the exact same manner, payee, and account number. 
Date Amount Status XX/XX/XXXX {$1300.00} Credited XX/XX/XXXX {$150.00} Credited XX/XX/XXXX {$1300.00} Credited XX/XX/XXXX {$5000.00} Not Credited Returned 26 Days later XX/XX/XXXX Changeover from Union Bank to US Bank XXXX {$1300.00} Not Credited Returned 11 days later XX/XX/XXXX {$1300.00} Credited t XX/XX/XXXX {$1300.00} Not Credited. 
XXXX {$1300.00} Credited to my HELOC
Consumer complaint received 2024-07-28
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. (AR)

PER section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 


12 CFR 1022.3 - Identity theft means a fraud committed or attempted using the identifying information of another person without authority. 

Anything added to my report without my written consent is considered Identity theft!

15 U.S. Code 1681c2 If these things aren't blocked and removed in the four days, you will be in Violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance! 

Another Violation that you are not in compliance with is 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Provide me with a copy of those written instructions please... 

Please remove and delete all Closed, Charge Offs, Collections, Derogatory marks, Inquires from my credit report!
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

To Whom It May Concern : Id like to bring to your attention the following errors in my credit report. I am hoping to get some assistance from the CFPB, in accordance with the Fair Credit Reporting Act. Id like to request the deletion of these inaccurate accounts that are having a detrimental impact on my XXXX XXXX and resultant interest rate costs : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status should show Closed ; was paid as agreed ( b ) Available Credit {$0.00}. No late payments. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

2. XXXX XXXX XXXX XXXX XXXX, account XXXX ( a ) Duplicate account, and covered under number XXXX above. 
( b ) This account was not Charged Off. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

3XXXX XXXX XXXX  account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$150.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

4. XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$200.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

5. XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$450.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, TransUnion and XXXX would please remove this record. 

Thank you for your attention to this matter, and feel free to reach me by phone or email. Based on your determinations, Im happy to follow up with XXXX XXXX, XXXX XXXXXXXX XXXX as well as the credit reporting bureaus. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-07-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (OH)

A XXXX  debit card from US Bank. This card has an expiration date of XX/XX/XXXX under my name. The issue : US Bank service procedures may leave customer in a deadlock situation, 1. I tried to check the balance on the date of XX/XX/XXXX at US bank web site XXXX XXXX XXXX XXXX 2. After I entered the XXXX digit card number and XXXX digit XXXX, the website does not show the information but displays " Please call the number on the back of your card to unlock your account. '' 3. I called the number on back of the card, XXXX. The customer service person asked for the following info from me : a. my full name b. my address c. last XXXX transactions on the card 4. I don't have the last XXXX transactions any more. The service person then asked to check balance on the website. 
5. Now I am in a deadlock situation.
Consumer complaint received 2024-07-27
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. (IL)

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the address I do not recognize is continued here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-10
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. (OH)

XXXX XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, 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.

This collection, by law, MUST be DELETED from my credit report immediately.
Consumer complaint received 2024-07-28
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. (NY)

After reviewing my transunion credit report I was able to identify multiple inquiries that I never authorized that are fraudulent. I am requesting that the consumer financial protection bureau investigate this immediately. I have attempted to get this resolved directly with transunion but they have failed to assist me with finding a solution.
Consumer complaint received 2024-09-23
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. (MI)

XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXX NATIONWIDE CAPITAL XXXX {$170.00} XX/XX/XXXX EVOLVE SPARROW FINANCIAL XX/XX/XXXX ELAN FINANCIAL XXXX XX/XX/XXXX XXXX FINANCIAL SER XX/XX/XXXX
Consumer complaint received 2024-09-23
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. (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 COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items 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.

Here is the list of items which do not belong to me or were opened without my permission.

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>