davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY (NC)

No actions were taken on any accounts I just need reimbursed for all the money I never received on my accounts because of the hold on my credit account amounts that I could have got off it wasn't for the credit companies having the wrong information on my reports that aren't cleaned up yet so my credit score can get approved for me to have credit
Consumer complaint received 2024-05-21
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. (TX)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, 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 : {$35000.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXXXX/XX/2023.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-05-21
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. ()

It has been drawn out into the open that XXXX credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-05-20
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. (NV)

THIS COMPANY AS WELL AS THE XXXX XXXX XXXX XXXX HAS VIOLATED THE FAMILY & EDUCATIONAL AND PRIVACY ACT OF 1974 AND ALSO WHEN I SIGNED UP FOR STUDENT LOANS I SIGNED A PRIVACY ACT FORM THAT SAYS THE SCHOOL WILL NOT PROVIDE MY STUDENT LOAN TRANSACTION HISTORY TO ANY THIRD PARTY COMPANIES.
Consumer complaint received 2024-05-20
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. (GA)

There has been unauthorized enquires using identity theft using my information to apply for XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX  on XX/XX/XXXX
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NY)

Hi there! 
Three unauthorized and unknown transactions-exactly same amount. 
I first contacted Cashapp about 2 months ago with a time of 30-45 to address. Since then repeated attempts with promises of problem escalation and other reminders to reimburse-nothing. Thanks!
Consumer complaint received 2024-05-20
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)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED MORE ACCOUNTS BEING REPORTED THAT I HAVE NO KNOWLEDGE OF, NOR DID I GIVE PERMISSION TO BE FURNISHED TO MY CREDIT REPORT. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I called Bank of today on Wed XX/XX/scrub>XXXX XXXX XXXX I reported on a recorded phone call to a Bank of America employee. Bank of America was involved failed to CHANGE MY ACCOUNT BALANCE when I received 2 XXXX refunds. 

Bank of America employee dismissed me & refused to change my account balance. I took a screenshot of the OF BANK OF AMERICA I want this investigated, I'm attaching screen shots of my account balances. 
I had a 2 separate refunds {$53.00} and {$62.00}, MY ACCOUNT BALANCE STAYED THE SAME {$2000.00} BOA, EMPLOYEE REFUSED TO HELP ME, SHE SPOKE OVER ME, SHE failed to listen to me! The phone calls are recorded
Consumer complaint received 2024-05-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/year> Transunion Credit Reporting Agency, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX XXXX XXXX XXXX this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on XXXX. XXXX XXXX XXXXXXXX through XXXX for XXXX & XXXX  payments for Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my XXXX dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on XXXX reports XXXXXXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy because the payment history reflects last payment XXXX on XXXX. XXXX reports it charged off 60 days late. Transunion reflects nothing. XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. XXXX is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. Transunion has no payment history reporting. I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus. I prefer to be contacted only via mail or email for any correspondence regarding this matter. Sincerely, XXXX XXXX
Consumer complaint received 2024-05-20
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I am writing this complaint to dispute inaccuracies on my credit report related to account XXXX XXXX XXXX XXXX XXXX XXXXXXXXRemove this account for inaccuracy & false reporting because the payment history reflects. XXXX through XXXX ( 120 days ) late on XXXX. ok payments XXXX through XXXX for XXXX & Ok payments for Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX for inaccuracy because the payment history reflects continue reporting after this account closed on XXXX. Delete this account because the notice of dispute as required within 30 days time-frame from the date of my XXXX dispute was received, pursuant to section 623 of the FCRA. Delete this account for inaccuracy because the date last paid on XXXXXXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete for inaccuracy because the payment history reflects last payment XXXX on XXXX. XXXX reports it charged off 60 days late. Transunion reflects nothing. 
XXXX XXXX XXXX XXXX Delete this account for inaccuracy reporting. XXXX is reporting it as a collection past due as of XXXX. XXXX has it reporting as {$0.00} payment history. Transunion has no payment history reporting. 

I want to bring to your attention that any addresses, phone numbers, email addresses, variations in my name, spelling, initials, and suffixes that differ from the information I am providing are incorrect and should be removed immediately. I do not recognize these discrepancies as accurate. My correct personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Email : XXXX I am aware of the Fair Credit Reporting Act ( FCRA ), particularly Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( C ), which prohibit furnishers from reporting data they know or believe to be inaccurate to a Credit Reporting Agency ( CRA ). As per the FCRA, if a consumer notifies a furnisher of incorrect information, the furnisher is obligated to cease reporting this misinformation. 

Non-compliance with the FCRA can lead to legal action from the Federal Trade Commission ( FTC ), Consumer Financial Protection Bureau ( CFPB ), state governments, or directly from consumers. The FCRA specifies maximum penalties of {$4700.00} per violation for lawsuits initiated by the FTC. 

The incorrect listings on my credit report have a negative impact on my credit. I am concerned that I may be mistaken for someone else with a similar name in my city or state. It is important to note that these inaccuracies are not reported by other credit bureaus.

I prefer to be contacted only via mail or email for any correspondence regarding this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-04
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)

In accordance with the Fair Credit Reporting Act, Attorney General Child Support XXXX XXXX XXXXXXXX, Attorney General Child Support XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. Under 15 U.S.C 1681 section 604a Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 U.S.C 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.
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. (FL)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXXXXXX Balance : {$30.00} XXXX  XXXX XXXX Balance : {$76.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-20
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)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute an unauthorized increase in the balance of my credit card account, number XXXX XXXX XXXX XXXX. Additionally, I have noticed that my account has been closed, reported as having a late payment, and the balance was increased without my consent. 

It is my understanding that it is illegal for a credit card issuer to close an account, report late payments, and increase a card balance without proper notification and explicit consent from the account holder. The recent actions taken on my account violate these legal requirements and are not in accordance with the terms and conditions of our agreement. 

I kindly request that you : Review and Correct the Balance : Immediately correct the balance to reflect the accurate amount and ensure no unauthorized charges or adjustments have been made. 

Reinstate My Account and Credit Score : Reopen the account and address any negative impact on my credit score caused by these unauthorized actions. 

Provide Written Confirmation : Send me written confirmation that the above actions have been completed and that my account status has been corrected. 

Please address this matter promptly. I expect a resolution within 15 business days from the date of this letter. 

Thank you for your immediate attention to this matter. I look forward to your prompt resolution.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all paymen

ts 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 th
e company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2023-09-22
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)

On XX/XX/2023, I asked Transunion to investigate various accounts on my credit file, because they were reporting inaccurate and incomplete information. The online system, used for disputes, did not work for me so I wrote them a letter. ( attached ). 

As of XX/XX/2023, more than 30 days since my request for investigation, Transunion has not processed my dispute requests, as required by law. 

This is a violation of FCRA 611 ( 15 U.S.C. 1681I ) which requires Transunion to carry out this independent investigation and correct or delete the items disputed. Transunion did not complete my investigation, did not update or correct the items I asked them to investigate. Therefore, the following accounts should now be deleted : 1. XXXX  XXXX # XXXX - Disputed for inaccuracy because of missing payment history 2. XXXX  # XXXX - Disputed for inaccuracy because of missing payment history 3. XXXX # XXXX - Dispute for inaccuracy because of missing payment history 4. XXXX # XXXX - Disputed for inaccuracy because of missing complete payment history 5. XXXX # XXXX - Disputed for inaccuracy because of missing payment history 6. XXXX # XXXX - Disputed for inaccuracy, for missing payment history. 
7. XXXXXXXX XXXX  # XXXX - Disputed for account ownership 8. XXXX # XXXX - Disputed for unrecognized account, since no payment record reported 9. XXXX # XXXX Disputed for inaccuracy, because payment history is reporting inaccurately XXXX. XXXX XXXX XXXXXXXX # XXXX Disputed for unknown account.
Consumer complaint received 2023-03-16
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. (KY)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be corrected or deleted immediately : 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 XX/XX/XXXX XXXX XX/XX/XXXX