davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-06
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. (DE)

On XX/XX/2024, I contacted Transunion and XXXX regarding XXXX and XXXX ( XXXX ) fraudulent accounts that were created under my personal information. I filed a FTC report and affidavit stating same. XXXX agreed to delete XXXX ( XXXX ) accounts but stated XXXX ( XXXX ) account was being investigated and it would take 90 days before completed. Why? I do not know as I did not open this account. According to XXXX : " If a company that provided disputed information to a credit reporting agency is unable to determine whether the information is true or not, the law requires them to tell the credit reporting company the information could not be verified so that the credit reporting company will stop reporting it. Nonetheless, some companies have argued that if they are unable to determine that the disputed information is false, they are free to tell the consumer reporting company to continue providing the information on reports. 

Thats wrong, as the CFPB and FTCs brief explains. In the FCRA, Congress put express requirements on companies with respect to information that can not be verified. Those requirements would be meaningless if companies could continue providing unverified information and telling credit reporting companies that they could continue sharing it. 

Based on information above, XXXX can not verify this account and therefore credit reporting agencies should delete same until it can be verified. Transunion and XXXX are refusing to remove this account. XXXX said it does not give any further information to credit bureaus only states " it's under investigation ''. 

Please see attached documentation to all reporting agencies attaching FTC report and affidavit dating all of above.
Consumer complaint received 2024-07-06
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. (MD)

I contacted Transunion Credit Agency informing them that I have fraudulent activities on my credit report. I sent letters in XXXX with the same information. When i pulled my credit report today, I still see these said items. On XXXX XXXX XXXX XXXX, my credit was pulled by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize any one from these said businesses to run my credit, 15 USC 1681 states if the consumer makes the company aware that it was fraudulent activities being performed. They have 30 days to investigate and remove these items. Like I said earlier that I have been sending letters making calls and nothing is being done.
Consumer complaint received 2024-07-06
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. (OH)

There has been improper use of my credit report and even after a reinvestigation nothing has been done. As i stated before this account was charged off on the following date XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. Also this account should reflect the first date of delinquent and it doesnt, its being updated every month. inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-06
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 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 2024-07-06
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. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2023-07-09
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: Experian Information Solutions Inc. (VA)

You have 7 days to correct my credit report or I will put a lien on your company with XXXX XXXX XXXX for {$350000.00} for each use of my copyrighted name./property since 2019. I did not give you written permission to use my name or ANY derivatives of my name, it is Identity theft according to 15USC 6802. Also, late payments are Illegal 15USC16819 ( A ) ( 2 ) ( i ) ( Exclusions ). There should not be any collections on any of my Credit Reports XXXX, XXXX or EXPERIAN, XXXX XXXX, or Any and All Other Credit Reporting Agencies. ALL BILLS ARE PREPAID ACCORDING TO ( 31USC3123 ) All Collection Companies such as XXXX  XXXX XXXXXXXX ACCOUNT # XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. A Lien will be put on these Companies as well with XXXX XXXX XXXX All these Credit Reporting Agencies and Collection Agencies listed are to CEASE & DESIST remove any and All Balances SUBMITTED AND ALL DEROGATORY INFORMATION AND INCLUDING ALL INQUIRIES AND ALL OLD ADDRESSES/ALL PHONE NUMBERS IN THE NEXT 7 DAYS. ( PLEASE SEE THE COPYRIGHT ATTACHMENT ).
Consumer complaint received 2024-07-06
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. (OH)

I have disputed these fraudulent accounts on several occasions since XXXX when I discovered the information on my account. When I finally was able to get them removed by dispute process. The information was re added back on my account. 
XXXX XXXX XXXX {$270.00} and XXXX XXXX XXXX {$250.00}, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX are not my accounts. This has ruined my attempts to purchase cars and house for my family. 
This is fraud an I need them to remove and not add it at a later time.
Consumer complaint received 2024-06-28
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: EQUIFAX, INC. (MS)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (VA)

This was a secured MC credit card from Citi, located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. I closed this card in XXXX of XXXX. There was an outstanding balance on the card at the time it was closed ; at that time, I was given to understand that I would continue to make the monthly payments until the balance was XXXX, at which time my deposit of {$200.00} that was used to open the account would be refunded. I called to check on the progress the first time on XXXX, at which time I was told by customer service that the check was processing, and I should expect it at then end of XX/XX/XXXX. I called again on XXXX, and was told the same thing ... the payment had been issued, and I could expect the refund of my deposit at the end of XXXX of XXXX. Since I still had not gotten it as of today, XX/XX/XXXX, I called the company again today at XXXX EST. This time, I was told a completely different story : that since I had a balance per the XX/XX/XXXX statement of {$220.00}, that my security deposit was applied to that amount, so when I went to pay my bill on the XXXX of XX/XX/XXXX, all I owed was {$27.00}. I was surprised, because I knew the outstanding balance was more, but I paid up. So, I was very frustrated to find out TODAY that the above is what happened without my input ; in other words, I was not given the opportunity to ACTUALLY pay the balance off so that I could get my deposit amount returned to me. I let the customer service agent, and the supervisor of accounts payable named XXXX, know of my ABSOLUTE frustration with what I called their behind-the-back, snake-in-the-grass, and underhanded way that this situation was handled. I would have appreciated being reminded of this clause in the terms at the time that it happened, and thereby expecting NOTHING to come back to me, instead of being led on by false promises of a refund that they knew they were NOT GOING TO ISSUE AT ALL thanks to the way they applied my refund to the outstanding balance that I KNEW I had from the beginning instead of giving me the option of ACTUALLY PAYING IT OFF so I could get my money back. I was advised to call back on XX/XX/XXXX to accept a {$25.00} credit, which XXXX emphasized that he was not supposed to do, as if that would make up for the fact that I'd been cheated out of my deposit amount of {$200.00} thanks to their underhanded way of doing business. I will NOT be calling them back on XX/XX/XXXX or any other time to get their chump change, but I decided that I would make known their less than honorable business dealings that they practice so they can get out of refunding people their money. So, here it is. I await the results of your investigation. Thanks
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history with DEPT OF EDUCATIONXXXX 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 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 months that are reported late 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. 


DEPT OF EDUCATIONXXXX 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 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My accounts 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 to be removed/updated. 

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. 

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!
Consumer complaint received 2024-07-05
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. (IL)

I was reviewing my credit report and noticed inquiries that are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-05
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)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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. 

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!
Consumer complaint received 2024-07-05
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)

My credit report is showing an unauthorized, unverified inquiry. This unauthorized inquiry has lowered my credit score, and I did not give this company permission to get a copy of my consumer report. This unauthorized inquiry needs to be removed immediately. TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of this inquiry its need to be removed immediately.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (GA)

To Whom It May Concern, My name is XXXX XXXX, and I am writing to file a formal complaint regarding the mishandling of a fraud case associated with my Navy Federal Credit Union account. 

In 2019, I experienced significant fraud involving my Navy Federal Bank account. Following this incident, I went through a robbery where all my personal items were stolen, including my Social Security Number ( SSN ), driver 's license, bank, and credit cards. The theft of these items led to fraudulent activities across multiple accounts. 

Although I promptly reported the fraud and filed a police report a few years later, Navy Federal Credit Union has refused to address the fraudulent activity on my account. I initially hoped that by contacting the bank directly, they would resolve the issue, but my requests were denied. I subsequently filed an appeal, which was also denied without any evidence linking me to the fraudulent activity. 

I have attached copies of my appeal denial and the police report for your review. Despite my ongoing efforts, Navy Federal Credit Union has failed to provide a satisfactory resolution or address the fraud on my account. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in resolving the issue. The continued refusal to rectify the fraudulent charges on my account and the denial of my appeal without evidence is unacceptable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-05
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this