davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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. (LA)

On XX/XX/year> I sent a certified debt validation letter to XXXX with a return receipt and on XX/XX/year> I received a letter stating that XXXX did not have to validate the debt. Additionally, the letter that was provided had inconsistent information and dates.
Consumer complaint received 2024-07-01
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)

My repeated efforts to correct fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely affected my life, causing considerable stress. I emphasize that I never authorized this information 's association with my name, as I've been a victim of identity theft.
Consumer complaint received 2024-07-01
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 requested again the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-01
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've found again that my credit report has erroneous information for the fourth time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-07
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)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint against TransUnion for their failure to respond to a dispute letter I mailed on XX/XX/year>. In this letter, I requested an investigation into several inaccurate items listed on my credit report, as well as the correction of incorrect personal information. 
Despite the significance of these inaccuracies and the impact they have on my creditworthiness, I have not received any response from TransUnion regarding the investigation results. This lack of response is both frustrating and concerning, as it affects my ability to access credit and other financial services. 
XXXX failure to respond within the XXXX timeframe mandated by the Fair Credit Reporting Act ( FCRA ) is a clear violation of federal law. The FCRA requires credit reporting agencies to investigate disputes and provide the results of the investigation to the consumer within 30 days of receiving the dispute. 
I seek assurance that the disputed information on my credit report will be removed and that my personal information will be updated accurately.
Consumer complaint received 2019-01-31
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: EQUIFAX, INC. (CO)

I have a derogatory remark on my credit report from a mail-order catalogue service by the name of XXXX XXXX, of which I have no knowledge of. Once noticed on my credit report a year ago, have disputed with all three credit reporting bureaus without resolution/removal from my credit report. Through multiple conversations with XXXX XXXX, it was uncovered this account was an UNSOLICITED INSTALLMENT ACCOUNT MAILED TO AN ADDRESS OF WHICH I DID NOT RESIDE in XX/XX/2013. The resident or persons who received catalogue purchased items, which were delivered in XX/XX/2013 for {$140.00} and made NO PAYMENTS ON THE ACCOUNT causing a charge-off to the account of {$310.00}. XXXX XXXX was not able to confirm shipping information/receipt as they no longer have access to those records but refuses to remove from my credit report. This is a fraudulent account that I did not solicit nor make purchases of merchandise and had never heard of XXXX XXXX until its appearance on my credit report and am having the most difficult time of resolving this ongoing dispute to my satisfaction.
Consumer complaint received 2024-07-01
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. (NY)

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXX XXXX  Account # XXXX-XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX U.S.C 1681 Section 602 A. states I have the right to privacy .

15 U.S.C Section 604 A Section 2 : 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 folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 2019-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-01
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. (OH)

On XX/XX/XXXX I discovered the credit reporting agencies are reporting inquiries to my record from the agencies listed below on the date shown above the name of said agency listed below. Per 15 USC 1681b Permissible purposes of consumer reports subparagraph ( 3 ) Information regarding inquiries says except as provided in section 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Consumer complaint received 2019-07-29
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. (TX)

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect!! I could sue them for improper reporting! I may not get the house that I deserve because of this wrong information. Please step up and delete XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX
Consumer complaint received 2024-07-01
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I setup a payment to come out of my account for XX/XX/XXXX for my secured and secured card with capital one .I had the money already in my account to settle that but capital one will send you a message that the payment is successful and still wait sometimes a week to take payment out which confuses other payments that you have setup.They later on takes try to takes the payment out and sometimes the money isn't all there because of other bills and you thinking they already taken it out.Capital one closes both my cards down wouldn't let me remake the payment right then .The secured card had {$500.00} of my money in there and they still reported it to the credit bureau that I owed them {$510.00} and {$500.00} and something for the unsecured and reported it that they were closed down costing me a XXXX point drop on my credit score and I can't even get another secured cared because my credit shows 2 over the limit cards.I feel I wasn't treated fairly and it hurted me a lot financially and I was never late.They did the same thing with my auto loan I was never late past 30 days so what they did was contact and ask did I need help with my payments and offered me a payment plan I took it not knowing that the way it was setup I was gon na get reported late.I have proof I was never past 30 days until the set me up on that payment plan.The reason why I was close to the 30days is the way I get paid at my job and that late payment hit me very hard .I tried to ask them could I get a first late payment wavered and they turned me down for that .I feel like I was a great customer I was never 30 days late on any of my payments at first.I would like to see if anything could be done to make right
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

It is clear to me that a mistake has been made on my credit report. I disputed the accounts with the credit bureaus but end up with nothing. I could not believe they did a full investigation on the accounts I disputed because they are definitely not correct! Account payment history is incorrect, date of last payment is also incorrect. This is ruining my credibility. Please help me remove the errors reporting on XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-07-01
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. (NY)

I do have a XXXX XXXX XXXX XXXXXXXX with limit of {$10000.00} since XXXX XXXX at XXXXXXXX XXXX received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXX XXXX to XXXXXXXX XXXX. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.
Consumer complaint received 2023-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (CA)

I made a deposit of a state check, I realized i needed access to the funds sooner than i thought I clled and askethem to please candeposit but since they had instructed me to write " deposit to Chime only '' on the back, i was not able tocash it anywhere i then called them and told them problem and since i had cancelled could i redeposit the check i was told " sure no problem just go ahead and redeposit '' the next day I get an email saying my check has been denied. they start treating me like i tried to cash the same check twice. I told them absolutely not and that i had called and cancelled the first deposit with a young lady name XXXX they claim to have no record of it because she did not cancel on their end. i had spoken to her on their chat feature and still had the conversation on my phone. this fell on deaf ears. I was obviously very upset, they suggested i get the check reissued because they were not going to accept it at all. it is a state check, that will take forever, this is their error i did all i could to keep them informed. I want to close my account with them. Unfortunately, when trying to open an account with a different online bank I am now being denied! i firmly believe it is because of Chime. they are no help at all it takes forever to get a supervisor I had to aske for one fromXXXX or XXXX different reps. please help me. Ii only want to speak to them on chat because i was told they do not record their phone. they claim to have started an investigation but as of yet i have not heard anything. this started on XXXX or XXXX i believe, it has been one of the most frustrating and stressful situations I have ever had. plus now am being treated like a criminal. this is very unprofessional and unfair. I demand they fix this and clear my name, I really dont know what else i could hav done to make it any clearer.
Consumer complaint received 2024-07-01
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. (MS)

I enrolled online in XXXX auto payment. I signed up to pay the monthly minimum but not to exceed {$300.00} with any one payment. My monthly payment amount was around {$150.00}. XXXX did NOT withdraw payment because the XXXX XXXX MONTHLY PAYMENT amount I set was not sufficient to pay THE ENTIRE BALANCE!!! They said, " this e-Bill wasn't paid because the amount due exceeds the maximum amount you set for AutoPay. '' This happened twice and resulted in a XXXX point drop in my credit score. After contacting them repeatedly they CLAIM they have re-enrolled my in aoutpay but there is NO indication of this on my online account and they ARE LYING!!!!. THEY ARE A PREDATORY BANK LOOKING TO CHARGE UNWARRANTED LATE FEES AND PENALTIES
Consumer complaint received 2023-06-15
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: EQUIFAX, 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, to 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 XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The name listed on the accounts XXXX XXXX # XXXX, XXXX XXXX Services # XXXX, Trax # XXXX, # XXXX. Achieve XXXX Accounts is under a different name than mines also under a different address which does not belong to me. XXXX XXXX  XXXX is under a different name and a different address and is also reporting on XXXX and Transunion with no balance and XXXX is reporting with a balance. Its XXXX addresses reporting on XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, FL XXXX. This is a discrepancy on my credit report and also is enabling me from purchasing a home and have effected my life terribly. I need these accounts removed immediately. I have uploaded my credit reports, driver license and social security card.
Consumer complaint received 2019-01-31
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: Experian Information Solutions Inc. (CA)

I sent a written request to XXXX to do the following with reference to a debt that appear on my credit report. I asked that you Asked that this debt be validated with a written contract that has my original signature. 

Verify that the first day of delinquency occurred within the last 7 years Neither of these things occurred, and you continue to report to my credit an unverified item which is illegal.
Consumer complaint received 2024-07-01
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)

This is my first endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance - XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX