davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-23
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXXXXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/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 2023-07-27
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 sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-23
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)

For months, there has been a consistent pattern of inaccurate reporting concerning these accounts! The following accounts continue to be reported incorrectly, including in the comments section. These account numbers are wrongly labeled as late payments, and it's incredibly frustrating that this inaccurate reporting persists. Following our compliance protocol, it's crucial that you swiftly remove these entries.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have contacted XXXX numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my bankruptcy attorney and the bankruptcy trustee for assistance, with this account. However, XXXX is REFUSING to correct and/or delete this account with each of the credit bureaus as promised. It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX  ( case XXXX XXXX, filed XX/XX/23 and XXXX on XX/XX/23 ). XXXX is saying the account wsa sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call XXXX and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if XXXX was the original creditor and the account was XXXX, I need to file the bankruptcy papers with XXXX to have the debt updated and/or deleted from my credit reports. My attorney and the XXXX  XXXX have submitted paperwork to XXXX and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be. 

I disputed and requested the credit bureaus provide validation of the debts along with innacurate and/or fradulent inquiries, and to delete XXXX  they verified these were fradulent and not done for permissable purposes. Transunion has transferred me to XXXX XXXX  ( said the calls were recorded ), and I was told the accounts and inquiries would be deleted in XXXX hours. It has been over XXXX ( XXXX XXXX ) XXXX  and NOTHING has been done.
Consumer complaint received 2024-01-23
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. (PR)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-01-23
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. (IL)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
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 2024-01-23
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 15 USC 1681. 

Account Name : XXXX  XXXX Account Name : XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-23
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. (VA)

I believe there has been a mistake in my account billing for Account Number : XXXX, for the auto : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ). I have a late payment of longer than 30 days in my credit score report. However, when reviewing my account I discontinued automatic payments in XX/XX/XXXX. I made a payment on XX/XX/XXXX that went to the Principal instead of the Monthly Payment. This was an error in billing, I did pay the amount of {$590.00} in XXXX and XXXX XXXX XXXX took in the amount to pay for the principal. I consider this fraud. I then on XX/XX/XXXX of XXXX did a double monthly payment of {$1200.00} as I noticed that you had not taken in my XX/XX/XXXX payment towards my monthly payment. I contacted XXXX XXXX XXXXXXXX XXXX multiple times regarding this error by phone before the 6 month limitation in billing changes per their policies took place, but I never received a positive response. We can look at phone recordings to verify. I believe this is a billing error and I should not have a 30 day late payment flag in my credit report since this institution received the monthly amount on time, but failed to bill it as a monthly payment. In reality this institution received XXXX payments from me totalling {$1800.00} in the period from XXXX to XXXX and still received a derogatory mark from XXXXXXXX XXXX  XXXX XXXX. which I respect, but which made a billing error that cost me a significant drop in my credit score.

Please note that I am willing to dispute this at the Credit Bureau level since this is the only bad mark in my credit report, since this is a billing error, not a denial to pay from my side. I clearly made 3 payments in that period when only two were needed in my pay schedule. 

Thank you for your time and attention. 

XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-05-14
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SUNCOAST CREDIT UNION (FL)

On XX/XX/2024 at approximately XXXX XXXX  EST I went to a SUNCOAST CREDIT UNION BANK located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL and spoke with a associate by the name of XXXX XXXX ( ID XXXX ) who is a member service advocate at SUNCOAST CREDIT UNION about a special deposit Tendered so settle the account for credit card they alleged I owed and agreed to pay the debt. I sent a special deposit money order by certified mail on XX/XX/2024. I received notice on XX/XX/2024 The money order was picked up and signed for but have not heard any response or update to my account balance to reflect the account being settled.I also agreed to pay on the condition they provide me with Verification/Validation of Alleged Debt. I was unable to receive the documents requested. I spoke with another representative on XX/XX/2024 at approximately XXXX XXXX  by the name of XXXX ( ID XXXX ), Member Escalation Analyst with Suncoast Credit Union. Who was unable to provide me with the documents demanded for proof of claim showing the binding contract between both SUNCOAST CREFIT UNION AND ME I also spoke with XXXX ( ID XXXX ) Research Department Suncoast Credit Union XXXX XXXX XXXX XXXX | XXXX | XXXX, FL XXXX P XXXX | F XXXX and they were unable to provide me with the documents to 1. Validate/Verify the debt with the actual accounting for the contract, 2. Verification of claim showing the signed invoice, A copy of the contract finding both Suncoast credit Union and me in a letter certified mail so that there is a independent witness to it being delivered without prejudice. I was not provided for disclosure, equal consideration, lawful terms or conditions XXXX, wet in signature of both parties, being Suncoast, credit union and me. I have Tried calling and going in branch to get this account settled and resolved but out of all the member I have documented speaking to none have been able to provide me with the documents Demanded.
Consumer complaint received 2024-01-23
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, 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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC (TN)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!! This company constantly reports to my credit when the car doesn't function properly! I have tried several times for them to understand I have also disputed this from my credit and XXXX will remove it then put it back up which is affecting me! I HAVE RIGHTS NOR DID I GIVE THEM PERMISSION TO DISCLOSE ANY OF MY INFORMATION TO ANYONE.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (TX)

I have my mortgage payment set up to pay automatically from my bank on the first of each month ( when its due ). Last XX/XX/2022 after my payment was sent on time, I later got a check in the mail from Freedom Mortgage with no correspondence or any other information. I supposed it could be an XXXX refund. Next after my XXXX payment I received a notice my XXXX payment was late. I disputed this both with the bank and the credit agencies. For the next 4 months each of my on time payments went to the previous month continuing to show I was late. I finally had to make a double payment in one month to correct it, but they had reported me late 5 times because of their mistake, I am current and still have my payment deducted from my bank each month. This has hurt me credit score and my current ability to refinance due to no fault of my own and I need this corrected! Thank You
Consumer complaint received 2022-11-24
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. (CA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to file a complaint regarding identity theft that has impacted my credit report with XXXX. Despite my efforts to resolve this issue directly with XXXX, the fraudulent information remains on my report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, XXXX is required to block the reporting of any information that the consumer identifies as resulting from identity theft within four business days of receiving proof of identity, a police report, and an identity theft affidavit. I have provided all necessary doc umentation, and I demand that XXXX immediately remove all fraudulent accounts and inquiries associated with the identity theft from my credit report.

15 U.S.C. 1681c-2, Fair Credit Reporting Act ( FCRA ) - " Block of information resulting from identity theft. ''
Consumer complaint received 2024-01-23
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)

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX {$640.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-03-28
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

BOA credit card is charging me $ XXXX to a bank transfer to a reported stolen account I did not buy anything or was involved with this transaction but they wnat me to to chance the bank they transferred the money into a stolen and closed XXXX account but the issues is they have no proper information on how it happens so i have no evedsienc eon how it happens but there is a police report on the stolen money and bank account thsi happens at the end of 2021 and i ahve been trying to chase down this missing money and making payments on it, evry time to try to dispute it or get mor einfor they keeps send me denied letters saying I HAD BEEN MAKIGN PAYMENST YEA as they keep calling me to, so they shoudl be able to tell me mor eon how this money was transferred into a ACCOUTN THAT WAS STOELN FORM EM AND CLOSED, so that is the basic story im trying to find oout where the missing $ XXXX is or went that Im paying on for nothing
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX FIN XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2024-01-23
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. (TN)

Submitting this complaint again to follow up on my previous request for the removal of unauthorized inquiries that appeared in my credit reports in the complaint dated XXXX. I requested the complete removal of the said inquiries. As a reference, I am attaching my FTC report # XXXX. Again, here are the inquiries I want you to expunge per bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX