davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-29
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. (GA)

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 : 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  XX/XX/XXXX
Consumer complaint received 2024-09-05
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 personally to address late payments appearing on my credit record. Upon review, I discovered these late payment entries. I sent correspondence about this issue over 30 days ago but have received no response, nor satisfactory validation. I request your help in resolving this matter swiftly and effectively.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (TX)

I am writing to bring to your attention my ongoing efforts to resolve an issue of identity theft involving a debt that does not belong to me. I sent a certified letter to the creditors for the debt requesting the following information, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant laws : Debt validation, including proof that the debt belongs to me. 
A detailed list of payments made on the account. 
My signature on any agreement related to this debt. 
Any insurance claims associated with the debt. 
Proof of chain of title of the debt, as per USC 15 1692g.

Despite following the correct procedures and citing my rights under the USC 15 1692g, I have not received a response from creditor 's within the timeframe required by law. Furthermore, I have contacted each credit bureau and requested the same information, again receiving no response within the legally mandated timeframe. 

To demonstrate that I am a victim of identity theft, I have enclosed copies of my identification, Social Security card, and the police report filed for this incident. These documents clearly indicate that the debt in question is fraudulent and does not pertain to me. 

I am seeking your assistance in resolving this matter promptly. Please investigate this issue and ensure that this creditor provides the necessary documentation to verify and correct this erroneous debt. I appreciate your attention to this urgent matter and look forward to your prompt response. 

Thank you for your assistance.
Consumer complaint received 2024-05-29
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. (WI)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.
Consumer complaint received 2024-06-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (FL)

I opened this dispute XXXX, On XX/XX/2024 I received the attached letter saying that the provitional credit give for an amount of {$3.00} has been completed and approved. 
But even that all the provitional credit were reversed from my account making my account been overdrawn for a couple of weeks. 
Please fix this issue and reimburse the pending credit
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to alert you to fraudulent personal information linked to my identity. Accounts and transactions have been incorrectly attributed to me without my authorization or awareness, causing me considerable distress. I have fallen victim to identity theft and have already reported this incident. This situation requires urgent attention, as it has negatively impacted my financial standing and personal reputation. I request your immediate assistance in removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any required evidence and, if necessary, initiate legal proceedings to safeguard my rights and seek appropriate restitution. Your swift action on this critical matter is greatly appreciated.
Consumer complaint received 2024-05-29
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. (PA)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being.

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards.

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report.

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX, FL XXXX Incorrect Address ( es ) : - XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : - XXXX XXXX Employer : - XXXX XXXX Employer : XXXX XXXX XXXX, FL Listed below are the Accounts that are being challenged XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

To whom it may concern I have these closed accounts with the following banks closed accounts. XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX closed on XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX Closed on XX/XX/XXXX, XXXX XXXX closed on XX/XX/XXXX, XXXX Closed on XX/XX/XXXX, XXXX XXXX XXXX Closed on XX/XX/XXXX and XXXX XXXX Closed on XXXX XXXX, XXXX. Each credit company listed agreed to remove these off my credit report if I paid in full which I did. They had promised to remove from my closed accounts and would no longer report to transunion, XXXX and XXXX or any other credit reporting agency.
Consumer complaint received 2023-10-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

I am filing this complaint against US Bank on the year of 2021 I had opened a U.S. Bank for my upcoming XXXX XXXX. For months I never had and problems with any money transfers or etc with the checking account that was opened with US bank. Many times before this money transfer that was made to me from my brothers Bank of America account in the amount of XXXX was posted and completed to my account on the date of XX/XX/2021. That following day I tried making transfer to my Apartment management to make a payment towards my lease and it was declined when looking into it I learned my account was frozen and would not be able have access to my funds or account into further notice. I then received a letter in early XXXX stating my account was going to be closed due to suspicion with fraud, any balance that was in my account was to be mailed to me in a cashiers check. 2 weeks later I received a check for XXXX cents, confused I was because I shouldve have had still the deposit that was deposited into my account for the amount of XXXX. So where was my money and how can they do that to me? Customer service reps werent able to let me know the reason as to why or where my money had gone or why they were holding it so they asked me to go into the branch I opened up my account originally from so I did branch location ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) they also said my brother with his ID and bank information would be a good idea to have with me as well to confirm the deposit wasnt or had nothing to do with any scam or fraudulent transaction when I got to the branch I asked to speak to the manager and she was very rude to me since the beginning of my visit she did not want to hear anything I had to basically say from my end and basically told me those funds were moved into an account that I wouldnt have any access to and that money was basically never going to be released to me I asked why or if that was even legal for them to do that? They had no reason I had every bit of proof to show my transaction from that transfer had nothing to do with any fraud but she did not care to hear me at all and said to take it as a lost. For years now or a year now I have been trying to find some type of help as to why my money was kept because of this incident I have been struggling financially and am now homeless my brother and I had to go through many obstacles because of this incident and I dont know how I still have not been given any details as to where and why those funds never where paid to me anymore. My brother also tried to file a claim on his end saying the transfer was never received by me because the bank was holding it from me but Bank of America came to the conclusion that there was no need for them to dispute anything with that transfer because the transfer was made and it reached the destination it had to from there end.
Consumer complaint received 2024-05-31
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)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-29
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. (MS)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-29
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. (FL)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-05-29
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. (FL)

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-09-05
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: EQUIFAX, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (LA)

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 2024-05-29
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. (GA)

Transunion, XXXX, & XXXX are reporting an allege charge off account on my consumer report listed as XXXX XXXX account # XXXX I would like the consumer agencies to send me the account documents they used to verify this information as its on the consumer agencies to provide the burden of proof so either prove you completed a reasonable investigation by providing proof of validation. If you do not within 7 days of this report I will sue.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AL)

In reference to the previous complaint, # XXXX, company stated they were unable to access the video I provided that was evidentiary to my complaint. 

I uploaded the video to XXXX and here is the link : XXXX XXXX XXXX This should provide clear evidence that the correct link was used and that the purchase was made within the terms of the promotion.
Consumer complaint received 2024-09-10
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. (FL)

It saddens me to see unauthorized inquiries on my credit report, and I cant understand why theyve appeared. I did my usual check, but this time there were unexplained discrepancies. I even refreshed my browser to ensure it wasnt a technical issue, but the inquiries remained. I need a prompt and thorough review of my documents to finally put this behind me.