davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
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. (TX)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

TransUnion 's Violation of the Fair Credit Reporting Act - Urgent Assistance Needed Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing an ongoing issue with TransUnion, who I believe has repeatedly violated my rights under the Fair Credit Reporting Act ( FCRA ). 

On three separate occasions, I have disputed incorrect XXXX information listed on my credit report, and each time, TransUnion has failed to conduct a proper investigation. 

The details are as follows : - XXXX : I submitted my first dispute regarding the incorrect XXXX  information. TransUnion claimed to have investigated the issue, but the record remained unchanged. 

- XXXX  : I filed another dispute, and on - XXXX than XXXX hours laterI received an email stating that they had again investigated the matter and the record remained unchanged. 

Given the rapid response, it is clear to me that they simply reused the results from the previous dispute without performing a legitimate investigation. 

- XXXX : I made a third attempt to dispute the XXXX record. 

On XXXX XXXX XXXX XXXXXXXX I received yet another email indicating that TransUnion investigated the public record and found no changes. 

I requested in writing that TransUnion provide me with their method and procedures for investigating the dispute, but they have failed to respond appropriately. As of now, they have not provided any proof of proper investigation or compliance with the law. I am left with an incorrect XXXX record on my credit report that is not mine, and TransUnion is continuing to disregard my rights. 

The XXXX  record in question belongs to my father, who has a similar Social Security number and previously lived at my address. I have never filed for XXXX, yet TransUnion refuses to correct this mistake. 

I am seeking your help in documenting this neglect and holding TransUnion accountable for their failure to comply with FCRA. If they do not remove this incorrect public record, I plan to take legal action. 

Please help me get the relief I am entitled to. TransUnion 's actions are not only irresponsible but deeply distressing, as they are profiting at the expense of consumers like me. 

Thank you for your time and attention to this matter. I look forward to your guidance and support. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-30
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)

Subject : Urgent Assistance Needed : Identity Theft Case I am reaching out to share a distressing situation I am currently facing. My identity has been stolen, and I have discovered that someone opened a car loan in my name through XXXX XXXX, using a stolen business bank account to make payments and evade repossession. I promptly contacted TransUnion to report the issue and followed their instructions to file a police report and an identity theft report, including the XXXXXXXX XXXX information and badge numbers. However, despite my efforts, they have refused to assist me, stating that they are waiting for data from a furnisher, whose identity they would not disclose. This situation has significantly impacted my life, and I am seeking legal assistance to help me navigate the complexities of this case and restore my identity. If any lawyers are willing to assist me in resolving this matter, I would greatly appreciate your help. Thank you for your time and consideration
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (NY)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX  XXXX XXXX  Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-26
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: EQUIFAX, INC. (KS)

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 informationisinaccurate.
Consumer complaint received 2024-09-30
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. (NC)

I am reaching out to bring attention to several issues Ive encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reports, inconsistent billing, incorrect personal information, and accounts that do not belong to me.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-09-30
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. (CA)

On the morning of XX/XX/XXXX, I received several alerts that there were hard inquiries on my credit reports. I did not apply for any credit on XX/XX/XXXX, or any other time recently. I created accounts online with all XXXX  credit bureaus and froze my credit. I was able to start a dispute of the incorrect inquiries with XXXX, but Transunion said I needed to submit a letter to them from the financial institutions that made the inquiries, while XXXX said that I would not be able to dispute the transaction, and that my only recourse would be to contact the financial institutions that made the inquiries to ask them to remove them.
Consumer complaint received 2024-08-01
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-01
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 account with was never late! I have had exceptional payment history witH capital one 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 XXXX XXXX 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. 

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 2024-10-01
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. (SC)

I was disputing US 15 1666. I asked for documents stating that XXXX XXXX mailed the due dates to me 21 days before each due date of XXXX XXXX and XXXX. I was not disputing that I didn't pay the bill on time or didn't pay. I'm disputing that XXXX XXXX violated US 15 1666 by not mailing each due date to me 21 days before each due date of months XXXX XXXX and XXXX. I ask you to re investigate this and if not updated on TransUnion, XXXX and XXXX to paid on time months of XXXX XXXX and XXXX I would like a copy of the statements proofing that I was mailed a statement 21 days before the due dates of months XXXX XXXX and XXXX.
Consumer complaint received 2024-08-01
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. (MD)

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. These unauthorized inquiries mentioned below were created through identity theft.
Consumer complaint received 2024-07-22
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. (MA)

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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with [ creditor name ], which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card. 

Experian : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor.

Account type : Credit line secured. 

XXXX : No information reported regarding this account. 

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. XXXX and Experian report different balances, with Experian listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, Experian notes an unpaid balance reported as a loss, while XXXX does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible.

For your reference, I have attached copies of my credit reports showing these discrepancies.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Consumer complaint received 2024-09-30
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. (IL)

I have tried to have these improper items that are negatively reporting on my credit report removed due to violation of my privacy rights, defamation of character, and the main reason, which is I never gave consent to report these items on my report. 

The following late payments are a part of the hinderance on my personal reports. 

XXXX XXXX - XXXX - {$25.00} XXXX XXXX - XXXX - {$60.00} XXXX XXXX  - XXXX - {$530.00}
Consumer complaint received 2024-08-27
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. (FL)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-09-30
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. (TX)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2024-09-26
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. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

Card was placed on hold because of a transfer from a external account that didn't go through. But I didn't authorize the transfer at all. My account has been on hold for two weeks. Everytime I try to call to clear it up they tell me over and over the same thing and will not listen to anything I'm saying. They ask for an statement from XXXX account but I've said so many times that I can't obtain a statement because the account was closed so to begin hacked. XXXX will not send a statement on closed account
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

Starting last XXXX some CITIBANK Costco XXXX card users like myself were informed that our existing payment accounts had to be changed by accepting a new CITIBANK system partner called " XXXX  ''. The XXXX terms and conditions allowed XXXX  and CITIBANK and Costco and XXXX to take ALL of my financial data from my XXXX XXXX  account as a condition of being able to make a payment from my checking account for the CITICARD monthly bill. I have many accounts that I pay through an ACH link to my checking account, and none of them claim the right to extract all of my banking data from my bank! If you decline to accept these XXXX conditions, CITICARD says you can use an alternate method to " manually '' verify a payment account. Without asking my permission and without informing me, they inactivated my previously confirmed ACH payment account linkage. Then their technology started to malfunction. I made payments on time and they were rejected by CITICARD, who then charged me late payment fees and interest on my " Unpaid '' balance. During three months XXXX to XXXX I have called their representatives countless times only to be told my account is delinquent and they have no responsibility. Finally a week ago I got through to a " Presidential Team senior account manager '' named XXXX, and after more days and hours of calls, she left me voice message telling me that she had gotten help from CITICARD IT staff and everything was corrected, no late fees no interest no delinquency -- but she was wrong, the account is still not functioning and shown as a delinquent account which will now harm my credit score. Before XXXX I have an unbroken history for many years of paying every monthly statement in full and early. The " senior account manager '' named XXXX would not accept a call from me on XXXX/XXXX/2024, while I waited on hold for an hour! Representatives I spoke with on XX/XX/2024 told me they had no record of any payments from me and said they had no record of my interactions... then later XXXX called me again and said they can't figure out what is gone wrong and she wants to escalate the problem again. The XXXX system is the source of the fault and punishes customers who won't allow access to all their banking data to be shared by XXXX, CITIBANK, XXXX and Costco as a requirement to make an ACH payment.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.