davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (OH)

I had a promotional rate for opening a 9 month cd of 5.15 % with Discover Bank. I opened the account online and this procedure gave me the option to transfer the incoming funds from an externally linked bank account connected to Discover Bank. I chose to send {$2000.00} from my XXXX XXXX account to my new Discover XXXX ending in # XXXX ( the full account number has not been made available yet ). The next day my XXXX XXXX account was debited the {$2000.00} but never appeared in my new cd with Discover. It has been more than a week and the first agent with Discover that I spoke with told me that when I opened the cd and authorized the funds transfer, the money was automatically placed into the account at that moment as an incoming transfer, and it has never appeared as an incoming transfer to the account and no one can tell me where the money is and from what bank did I transfer the money from. their answers are blank and I can't get anywhere. Can you please help me locate the XXXX XXXX dollars that is missing. This is very suspicious.
Consumer complaint received 2024-10-02
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)

VALIDATION AND CEASE AND DESIST Re : Name : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXXXXXX XXXX  XXXX Account # : XXXX To Whom It May Concern : I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation
Consumer complaint received 2024-10-02
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. (FL)

I was completely floored when I saw inaccurate accounts on my credit report this morning. I check it regularly, but this time, there were discrepancies I just couldnt explain. I tried refreshing my browser, hoping it was just a glitch, but the problem didnt go away. Im asking that my documents be carefully checked because Im desperate to put this behind me and stop worrying.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2022-04-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NM)

Noticed two unauthorized transactions in my XXXX XXXXhecking account from CashApp. Upon investigation I saw that CashApp had paid {$300.00} and {$250.00} within the space of a few hours on XX/XX/2022 to an individual named XXXX XXXX.I know no one by this name. I filed fraud complaint with CashApp. CashApp responded several days later stating that I had made the transaction or that I had authorized someone to make these transactions. This is absolutely untrue. CashApp made this determination without ever speaking to me. I do not know how the individual going by the name of XXXX XXXX was able to hack into my account but it was done without my knowledge or consent. I requested documentation regarding the basis for the.decision to deny claim but as of XX/XX/2022 no documentation from CashApp has been received. Police report has been filed regarding this theft.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit report. 

Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 

This information was originally request in XXXX of 2024.
Consumer complaint received 2024-10-02
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. (FL)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-02
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. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed some late payments. I sent letters over 30 days ago but have not received a response, nor have they provided satisfactory validation. I would greatly appreciate your assistance in resolving this issue. Thank you.
Consumer complaint received 2024-10-02
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. (GA)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2022-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

On XX/XX/2022, my CashApp account was compromised and the scammer withdrew {$300.00} from my XXXX XXXX XXXXXXXX checking account which was linked to my CashApp. The scammer used this money to buy XXXX, attempted to send it to an unknown person ( which failed twice ) then sent it to someone else ( also unknown to me ). They then tried to withdraw additional amounts which were all blocked ( {$700.00} attempted three times, then {$350.00} attempted once ). 

On XX/XX/XXXX I noticed the fraudulent activity when paying off my credit cards and called my bank to report my identity had been stolen and explain what happened. XXXX  XXXX XXXX issued a temporary credit for the missing {$300.00} on XX/XX/2022. 

Today on XX/XX/2022, I received a followup letter from XXXX  XXXX XXXX stating that the fraud claim had been denied and the {$300.00} credit would be removed on XX/XX/2022. The reason provided by XXXX XXXX XXXX is quoted as " Cash App provided documentation showing the transaction is valid, and weve included it for your records. '' I plan to pursue CashApp to recover the stolen money but wanted to file the complaint first to inform them that this step has been done.
Consumer complaint received 2024-10-02
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. (FL)

This morning was such a shockI found inaccurate accounts on my credit report, and I have no clue why. I check my report often, but this time, I noticed discrepancies that just didnt make any sense. I refreshed my browser, hoping it was a mistake, but the accounts didnt disappear. Im asking for my documents to be thoroughly checked to resolve this issue because Im tired of the stress its causing me.
Consumer complaint received 2024-10-02
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. (AL)

I am writing to formally express my deep concern regarding the unresolved inaccuracies on my credit report, which I have previously disputed on multiple occasions. Despite my consistent efforts to request a thorough investigation, the inaccuracies remain uncorrected, and I have yet to receive any resolution or corrective action. 

These erroneous accounts are significantly damaging my credit file and have created substantial obstacles in my daily life. The negative impact on my financial well-being has caused undue hardship, and I am left with no choice but to urgently request your assistance in rectifying this situation. 

I kindly request that a thorough investigation be conducted into each of the disputed accounts, and that the necessary steps be taken to update and correct my credit report without further delay. Restoring the accuracy of my credit file is imperative, and I hope your team will give this matter the attention it deserves. 

Your prompt cooperation in resolving this issue would be greatly appreciated. I trust that, with your help, I can restore the integrity of my credit report and regain control over my financial stability. 

Thank you for your understanding and swift action in addressing this matter.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in 60 days 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 2024-10-04
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. (MN)

I have send multiple times throughout the pass months. They never showed validation of debt or the investigation process used. Meanwhile, They've never response back to any dispute letter sent to them. Regarding the inaccurate accounts on my credit repair.
Consumer complaint received 2024-10-04
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)

y Type Individual CXXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX  XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION Please remove the following addresses from my account. I have never lived at the addresses listed below nor have I given anyone authorization of these addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Reported XX/XX/XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Also please remove phone number XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (TX)

ACCOUNT NUMBER : XXXX Date Last Payment : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate High Credit : XXXX XXXX -- Credit Limit : XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX Last Reported : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate
Consumer complaint received 2024-10-04
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. (SC)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-10-02
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-03
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. (CA)

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 
This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
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. (GA)

I am writing to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : XXXX XX/XX/2024 ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2024.