davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
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. (PA)

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. 
XXXX XXXX : # XXXX, 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 : 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 2019-11-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collections Enterprise, Inc. (VA)

This is a follow up complaint to complaint # XXXX. I called American Collection Enterprise , Inc and spoke with XXXX XXXX. I have never come across a more rude and belligerent individual. She repeatedly cut me off and refused to transfer the call to somebody with more manners. It was impossible to further discuss my case with them but at this point beyond the written dispute, 2 CFPB complaints and call today with them, they continue to attempt to collect a debt that is not owed and have not furbished any tangible evidence whatsoever.
Consumer complaint received 2023-05-19
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. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am personally submitting this complaint to address an issue regarding late payment entries on my credit report. Upon reviewing my records, I discovered the presence of these late payment listings. However, despite sending correspondence more than 30 days ago concerning this matter, I have not received a response, and they have failed to provide satisfactory validation for these supposed late payments. I kindly request your assistance in resolving this issue promptly and effectively.
Consumer complaint received 2024-01-12
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. (AZ)

XXXX has my FTC Identity Theft Report package with the laws and my notarized Affidavit identifying the crime of identity theft by XXXX XXXXXXXX cards ending in # XXXX & # XXXX to be DELETED off XXXX credit report NOW. See attached.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (CO)

My loans are being double reported on my credit report. I have a consolidated loan of a total of {$56000.00} with XXXX XXXX. Included in the loan is {$22000.00} and {$33000.00}. On my credit report the {$56000.00} total is shown but also a separate loan for {$22000.00}. I have contacted both ED FINANCIAL and XXXX. The issue had been resoled but then weeks later it gets double reported again. I have disputed with XXXX multiple times, in which XXXX XXXX has sent my updated loan amount but every time my dispute is either denied, or the loan amount is corrected for a few weeks and then changed out. These are the dates of the XXXX, XX/XX/year>. My credit score keeps lowering because of their false and double reporting of my loan amount.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-01-12
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. (KS)

on multiple occassions i have disputed information on my consumer report for its accuracy, completeness and timeliness. invastigation reports have been verified as accurate, no investigation reports have been provided to me. the information comtinues to show inaccurate information, incomplete data fields and negatively impacting my financial well being.
Consumer complaint received 2024-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that XXXX, TransUnion, and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts and hard inquiries that were opened and made without my authorization. Specifically : XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX , account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX, account ending in XXXX, XXXX, and XXXX, opened on XX/XX/XXXX. 
XXXX XXXX XXXX, account ending in XXXX and XXXX, opened on XX/XX/XXXX. 
These fraudulent accounts have resulted in several unauthorized hard inquiries appearing on my consumer credit report, including but not limited to : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts, collections, and hard inquiries are the result of identity theft and fraud. I do not recognize the aforementioned items on my consumer credit report maintained by XXXX, TransUnion, and XXXX. All of the aforementioned items were not opened, made, or initiated by me. 

I have attached a copy of my FTC Identity Theft Criminal Complaint ( case number ) 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 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Encountering an error suggesting a late payment on my account is unsettling, particularly because I have consistently adhered to payment deadlines. This inconsistency is generating unnecessary stress, and I implore you to swiftly rectify the situation by updating my records accordingly.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (MA)

The company is Barclays bank and the credit card is the jetblue credit card. 

I logged in to my account to find a message saying the account was locked and that i needed to call customer service becuase there were transactions that needed to be reviewed. I called customer service XX/XX/XXXX and was on hold for XXXX  hours and XXXX  minutes. I eventually hung up and decided to call the next day, XX/XX/XXXX. 

I called customer service on XX/XX/XXXX and have been on hold for over XXXX hours already. I sent a message to the customer service team through the online website, but they told me that they can not help me and that i have to call the customer service team. 

I can not get a hold of anyone at this company and can not pay my bill or make any transactions. I need to just get in touch with someone at this company!
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUEBILL, INC (MD)

ROCKETXXXX  - the account was paid in full and the account was closed in XX/XX/year>. Even though paid in full, a {$1.00} interest charge was applied to the account. Thinking the account was closed, I never again logged into the account. Apparently, this unwarranted interest charge continued to accrue, and a late fee was assessed to the account & ultimately a late payment was reported to the credit agencies. How can a financial institution charge interest when the balance is paid in full, on time?
Consumer complaint received 2024-01-12
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)

I hope this letter finds you well. I am writing you to bring to your attention a few discrepancies in my credit report that i am sure requires your immediate investigation as my information has been stolen and use to open a number of fraudulent accounts and loans in my name. Additionally these fraudulent accounts has been causing me severe emotional stress as i am currently in the process of buying a home for me and my family. I kindly request a thorough investigation into these matters and removal of all inaccurate information on my credit report. I understand that the Fair Credit Act ( FCRA ) mandates that the Information on my credit report be accurate and verified. I have reach out to my creditors who have informed me they have no knowledge or evidence of credit associated with them. 
A. XXXX XXXX - DATE OPENED XX/XX/XXXX ( BALANCE {$1000.00} ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX ( BALANCE {$850.00} XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE {$16000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX BALANCE {$8600.00} LIST OF INQUIRIES 1XXXX - Inquiry date XX/XX/XXXX 2.XXXX XXXX - Inquiry date XXXX XXXXXXXX XXXX 3.XXXX XXXX XXXX - Inquiry date XX/XX/XXXX 4XXXX XXXX  - Inquiry date XX/XX/XXXX 5.XXXX - Inquiry date XX/XX/XXXX 6.XXXXXXXX XXXX XXXX - Inquiry date XX/XX/XXXX 7.XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX 8.XXXX XXXX XXXX - Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2023 I was sent an alert for a hard inquiry made in my name to JPMCB ( Chase ). I never even filled out an application to apply for anything on that date or anywhere near that date. I called Chase right away and they stated that an application was sent to them and was Denied. I asked if I could receive a copy of that application but I was informed that they cant do that due to it not being approved. They informed me to call XXXX and I did that right away and they put a fraud alert note on all my credit companies accounts for a year.
Consumer complaint received 2024-06-13
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)

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. 

A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THIS LATEPAYMENT ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY.
Consumer complaint received 2024-01-12
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. (SC)

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. 

XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX 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 an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section 2 : It also states a 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 reports 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 2024-01-12
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. (TN)

It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2023-05-02
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. (LA)

In accordance with the fair credit Reporting act XXXX Account XXXX has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

15 usc 1681 complete and accurate information Creditor reports that account is past due XXXX by two payment and its not the balance reflects XXXX when its XXXX also attach the account information I see upon my account with the payments
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

On XX/XX/23, Experian was contacted regarding a dispute. I advised they were in violation of 15 USC 1681 ( b ) and Section 609 ( a ) ( 1 ) ( A ) of the FCRA. On XXXX I asked Experian to re-investigate and to provide all documents with my written consent to report any information 15 USC 1681b ( 2 ) and their method of verification15 USC 1681. They did not provide their method of investigation and they did not accurately verify the information including the name XXXX XXXX XXXX that is listed on the report ( see attached ). I have provided a driver 's license to show the true name. I also advised them of 15 USC 1681 ( 4 ) to exercise their grave responsibility with fairness and impartiality. They did not do so. I also advised on the Gramm Leach -Bliley Act regarding my privacy. They list these creditors as public information. The only public information is if there is bankruptcy and criminal charges. They are in violation of 18 USC 894. They have a negligence and a willful non-compliance. I also advised them on my copyrights to all variations of my name with the recording number in my state along with my fee schedule for violating and injuring me.
Consumer complaint received 2024-06-13
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. (IA)

Today, I had found out that the items I want to removed previously on my dispute remains on my credit file. However, I want to remove it immediately with your help. Per FCRA section 605b, the Credit Bureaus are required to remove any items listed on an identity theft report. Please find the required documents to assist in the deletion of the erroneous information which are being posted on my credit file. I demand that this matter be treated with the utmost urgency and seriousness. The continued presence of fraudulent items after this attempts is unacceptable and reflects gross negligence. For this unresolve issue, I am pleased to ask an immediate help from you to remove as soon as possible these negative items which i do not recognized as truely mine : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; 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 XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$770.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-08-02
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. ()

I rised a dispute to Experian credit report company to make a correction in my credit report on XXXX company reply me on XXXX We had received your email with all the necessary information and raised it with the financial instituition. We are awaiting the response from the bank for us to resolve the same at our end.The regulations governing the dispute resolution process gives us 30 days from the date of the details received to resolve the same basis the information received from the financial instituition. so far problem not resolved.
Consumer complaint received 2024-08-17
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. (ID)

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 2024-08-18
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. (TX)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.