davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
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. (PA)

I am XXXX XXXX, I'm reaching out to express my concerns about several issues with the credit bureau. These include incorrect account listings, numerous unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me. 

I am seeking assistance to resolve these issues to ensure my financial stability.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint to address an issue regarding late payments on my credit report. After reviewing my records, I discovered these late payments, which I believe to be inaccurate. Despite sending letters over 30 days ago, I have not received a response, nor have I been provided with adequate validation. I am seeking your assistance in resolving this matter as soon as possible.
Consumer complaint received 2024-10-05
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-05
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. (LA)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of list accounts a personal loan or loans, a credit card or credit cards, and any other accounts from .These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report.. XXXX XXXX XXXX I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX from FTC report ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-05
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. XXXX I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-05
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. (CA)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance {$200.00} XXXX XXXXXXXX Balance {$390.00}
Consumer complaint received 2024-10-05
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 2024-08-30
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)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-05
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. (IN)

Subject : Request for Reconsideration of XXXX Card Application Denial Dear XXXX XXXX XXXX XXXX Team, I hope this message finds you well. First, I want to express my appreciation for your transparency and professionalism in notifying me of the reasons behind my recent application denial for the XXXX XXXX. Your customer service has truly been a XX/XX/year> experience, and I am grateful for the clear communication. 

I understand that the decision was based on two primary factors : 1. Multiple recent applications for credit, resulting in hard inquiries on my credit file.

2. A recently closed checking and/or savings account by a bank. 

Please allow me to provide some context. Unfortunately, I have been a victim of identity theft, and as a result, numerous unauthorized applications and transactions were made in my name. I have since taken significant steps to rectify this issue by working closely with XXXX XXXX and law enforcement to ensure that all fraudulent activity is wiped from my credit report and records. I expect these issues to be fully resolved soon. 

Given this, I am respectfully requesting a reconsideration of my XXXX XXXX application once the necessary corrections are made to my credit file. I believe that once the fraudulent inquiries and account closures are removed, my profile will reflect my true creditworthiness. My current credit score of XXXX reflects the impact of this unfortunate situation, but I am confident that it will improve once the fraudulent activities are fully addressed. 

I am committed to maintaining financial responsibility and security moving forward, and I am hopeful that, upon resolution, my application will be reassessed for approval. I would also appreciate consideration for a higher credit limit once I am approved, as I plan to use the XXXX XXXX responsibly for both personal and professional purposes. 

Thank you again for your understanding, and I look forward to reapplying once everything is resolved. Your assistance and continued customer service are greatly appreciated. 

Best regards, XXXX XXXX Email : XXXX Phone : XXXX
Consumer complaint received 2024-10-05
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-10-05
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)

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 XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account 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 XXXX XXXX Balance : {$21000.00}
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: KEYCORP (OH)

I have a KeyBank XXXX XXXX. 
It was attached to a checking account with KeyBank as overdraft protection. On XX/XX/XXXX a fraudulent actor accessed my online bank account. The account was immediately placed on XXXX Hold. The customer service representative at KeyBank said nothing can be withdrawn during this time. The fraud was determined real. And on XX/XX/XXXX they were closed. At that point there was a ZERO balance on my credit card. But around XX/XX/XXXX {$100.00} dollars was forwarded to my Fraud held checking account for being in overdraft?? I should not be responsible for anything after XX/XX/XXXX.
Consumer complaint received 2022-11-28
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (FL)

Had a credit card from a furniture company with Wells Fargo. Paid the card off in XXXX asked to make sure my automatic withdrawal was cancelled was told it would be. Money was taken out of my account in XXXX for the account that had been closed and paid per the agreement. I called them twice. The first call was XXXX XXXX and the guy was totally incompetent. Called again in XXXX and was told that I had to wait 45 days for my money which they took out of my account against my permission. That is fraudulent. I met my obligations and they didnt meet theirs. As of XXXX I still have not received my money which they should pay interest on.
Consumer complaint received 2024-10-29
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings (NV)

I had just received the notice, and was about to send it out, because the XXXX website didnt say where the {$500.00} fee came from, when I received XXXX harassing phone calls from them. 

They tried to accuse me or breaking my lease or not paying rent, and I told them that I was working with National Debt Relief and was filing it with them, since I refuse to pay a debt without proof of debt. They said oh well, its your credit that youre ruining, not mine. 

I sent out the letter wanting to dispute it, for proof that I owed the {$500.00}, since I couldnt find any proof. They never responded back with any proof. 

I just got an email from XXXX XXXX that they added this {$500.00} ( {$510.00} now ) collection to my credit report, yet they still havent sent me any proof that I owe {$510.00}.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have already brought this matter to your attention ; See Attached removal of inaccurate personal information, name, addresses, social security numbers, employment information. 
However, you have failed to take appropriate action to investigate and delete this inaccurate information within the legally required timeframe. This failure to comply with the FCRA, despite having been notified, constitutes willful noncompliance as outlined under 15 USC Section 1681 n.

Impact of Your Noncompliance : Due to your failure to address this issue properly, I have suffered damages, including but not limited to : Lower credit scores : Resulting in the denial of credit or higher interest rates. 
Emotional distress : Caused by the negative impact of inaccurate credit reporting Financial harm : Due to credit denials or unfavorable terms for loans or credit lines. 

My Demands : In light of, the harm caused by your willful noncompliance with the FCRA, I am requesting : 1. Immediate removal of the inaccurate information that your company is reporting to my credit.

If you do not remove these accounts, I will be forced to sue Compensation for damages : I reserve the right to pursue legal action under 15 USC Section 1681n to seek actual damages, statutory damages, and punitive damages, along with attorneys fees and costs if necessary.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion will not remove lift my credit freeze after calling and trying to do it at my transunion service center account. I can't get a car loan due to their refusal to comply with the law.
Consumer complaint received 2024-10-05
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-05
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 efforts to address the fraudulent, inaccurate, and misleading information on my consumer report, this issue remains unresolved. The continued inclusion of these items has had a severe impact on my life, causing undue stress and anxiety. It is important to emphasize that I neither authorized nor consented to the association of this information with my name, as I have been a victim of identity theft.
Consumer complaint received 2024-10-05
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. (NJ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 XXXX. 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 2024-10-05
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. (VA)

In accordance with the fair credit reporting act. The list of accounts has Violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

-15 USC 1681 section 602 A. States I have the right to privacy and the right for inaccurate information to be removed from my Credit Profile.

-15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not Furnish an account without my written instructions - 15 ISC 1681 C ( A ) ( 5 ) Section states no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

- 15 USC 1681 S2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-05
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-06
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. (WA)

XXXX ) XXXX did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  XXXX ) XXXX did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  XXXX ) XXXX  XXXX  did two hard pulls XX/XX/XXXXXXXX  and XX/XX/XXXX XXXX ) XXXX XXXX  did two hard pulls XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX did four hard pulls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX did two hard pulls XX/XX/XXXX and XX/XX/XXXX XXXX ) XXXX  did two hard pulls XX/XX/XXXX and XX/XX/XXXX