davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to file a formal complaint against TransUnion, XXXX and XXXX for their failure to respond adequately to my previous dispute letters. I believe my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance to address this matter. On XX/XX/year>, I initially submitted dispute letters to the respective credit bureaus, disputing the accuracy of certain information on my credit reports. My dispute letters included details of the inaccurate information and evidence supporting my claims. As required by law, I expected the credit bureaus to conduct a reasonable investigation into my disputes and respond within the stipulated time frame. Unfortunately, despite my efforts to engage with the credit bureaus and my commitment to resolving discrepancies on my credit reports, I have received little to no response from them. I have not received any meaningful communication acknowledging the disputes I raised, nor have I been provided with the results of their investigations.
Consumer complaint received 2023-12-12
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. (NY)

I am having problems trying to sign onto my established account at TransUnion. And the customer service ( telephone ) is problematic - It asks too much personal information, and it is serviced by people outside of the United States of America - such as XXXX XXXX. This is dangerous. 

I want my information immediately removed from their records. I am also following up with my representatives.
Consumer complaint received 2023-04-13
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. (SC)

When I reviewed my credit report, I discovered that these accounts were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re investigation.
Consumer complaint received 2024-07-13
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. (TX)

These credit reporting organizations have not respected my disputes and are in violation of FCRA rules. Under 15 U.S.C. Section 1681i ( 6 ). They have not supplied me with written results of their inquiry or a statement stating that the reinvestigation process has been completed. That should have been sent 5 business days after the investigation concluded. It's been almost 45 days since I voiced these concerns, and I have yet to get any such notice or comment from their agency. This is when the law, namely 15 US Code 1681i ( 6 ), comes into play, and they are required to follow it.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I SENT CERTIFIED LETTERS TO ALL XXXX CREDIT BUREAUS, TRANSUNION, XXXX, XXXX AND XXXX XXXX XXXX REPORT. I SENT DOCUMENTS SHOWING MY CURRENT ADDRESS AND CORRECT SPELLING OF MY NAME, ALSO INFORMATION ABOUT ALL INACCURATE INFORMATION BEING REPORTED ON MY CREDIT REPORTS. NONE OF THE BUREAUS HAS SHOWN ME PROOF THAT THEY REACHED OUT TO ANY CREDITORS TO SHOW WHAT THEY REPORTED WAS TRUE. THEY LIED SAYING ITS VERIFIED AND WHEN I CALL THE COMPANIES, THEY SAY DIFFERENT.THERE ARE MULTIPLE ACCOUNTS I NEVER GAVE WRITTEN CONSENT TO, ACCOUNTS HAVE BEEN PAID, ACCOUNTS ARE REPORTED WITH WRONG AMOUNTS AND ARE OUTDATED. LETTERS WERE SENT FROM THE BANKRUPTCY COURTS TO PROVE JUST CAUSE. THESE CREDIT BUREAUS REFUSE TO RESPECT MY RIGHTS AS I ASKED FOR THEM ALL TO CEASE AND DESIST REPORTING INACCURATE INFORMATION WITHOUT MY WRITTEN CONSENT AND TO DELETE EVERYTHING THAT IS NOT ATTACHED TO THE CORRECT INFORMATION, ALOT OF COMPANIES ARE PULLING MY REPORTS THROUGH THIRD PARTIES THAT I HAVE NO CLUE AS TO WHY. THIS IS CAUSING HARM TO MY CREDITWORTHINESS AND CAN BE CONFUSED WITH MY CURRENT INFORMATION.
Consumer complaint received 2023-10-26
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)

Hello I hope all is well. I am writing you because I have attempted to reach out to you aboyt a fraudulent account on my credit report. The account does not belong to me and there is inaccurate information reporting on my account Everything on my credit report needs to be 100 % accurate and under U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ) these accounts are in violation of not reporting with 100 % accuracy across all three reporting agencies there are inaccuracies and inconsistencies.

Also 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 the written consent of the consumer.

I never gave consent to the furnishing of the account and I want to exercisize my right to privacy.
Consumer complaint received 2023-12-12
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. (CA)

XXXX take off the missed payments and negative utilization for any charge off accounts and XXXX credit card missed payments. I never missed any payments and XXXX uploading the proof. Regardless your violation of federal law and deceptive and fraudulent behavior against my credit report and me is done! Immediately fix the missed payments any non account holding inquiries. 
TransUnion, as of today XX/XX/2023 you have 3 days XXXX to take these no. Account holding inquiries off of my credit account credit report and on the XXXX charge off accounts under XXXX XXXX XXXX my Credit report doesnt include any transactions or other behavior related to my relationship with any of my credit card accounts or private relationships with any creditors! Remove all missed payments and utilization immediately! 
XXXX, you have 3 days maximum to fix my personal information! 
The only name, address, phone number and Business is this. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, unit XXXX XXXX California ( XXXX ) XXXX. 
Any other false alias or fictitious name or address you have has been used fraudulent by you! I will upload proof. 
And stop immediately reporting any misinformation according to missed payments or credit utilization on any charges off accounts! 
I have opted out of any solicitation of offers or any kind of XXXX party theft of my private and public information! XXXX filing a lawsuit against all who have any inquiries soft or hard! Cease immediately. Thank you for your cooperation in this matter
Consumer complaint received 2024-06-03
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 letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-07-13
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. (CA)

I have submitted several disputes by mail and have yet to receive any response or update to my credit reports. My disputes have not been investigated but constantly ignored and this is problematic. I have called by phone and still have not been helped properly. I am a victim of ID theft and not one of these companies have assisted me throughout my process that began over sixty days ago.
Consumer complaint received 2024-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/2024, I deposited a check in the amount of {$10000.00} into my Truist account via mobile banking. This check was issued by XXXX XXXX and represented a loan from my employers 401 ( k ) plan. The funds were intended for my personal use, and I relied on them being available in a timely manner. 

To my surprise, Truist placed a seven-day hold on the check. Subsequently, on XX/XX/2024, my account was put on hold and later closed due to allegations of suspicious or unusual activity, with the claim that the check deposited was fraudulent. 

In response to these actions, I provided supporting documentation proving that the {$10000.00} was indeed a legitimate loan from my employers 401 ( k ) plan managed by XXXX XXXX. Despite this, Truist failed to conduct a thorough investigation. It is my understanding that Truist only contacted my employer, who could confirm that the check had been paid but could not provide further details. Truist did not reach out to XXXX XXXX directly to verify the legitimacy of the check, which would have been the appropriate and necessary step in this situation. 

The handling of this matter has been both inefficient and unsatisfactory. As a result, I have been deprived of access to my rightful funds, causing significant financial inconvenience and distress. I believe Truists actions were premature and not substantiated by a proper investigation, which could have easily confirmed the authenticity of the check.
Consumer complaint received 2023-08-04
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)

I REVIEWED MY CREDIT REPORT AND THIS COMPANY XXXX XXXX IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX  AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATIONXXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX MN XXXX XXXXXXXX XXXX XXXXXXXX BALANCE XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have been disputing these accounts for over a year They are reporting to my credit report wrong. 

XXXX XXXXXXXX XXXX XXXX  {$6600.00} XXXX XXXX  XXXX {$1400.00} XXXX {$540.00} XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$500.00}.
Consumer complaint received 2023-12-12
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. (PA)

XXXX XXXX XXXX  Account number XXXX In accordance with 15 USC Code 1681a-Definitions ; rules of construction ( 2 ) EXCLUSIONS- Except in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.15 USC 1681 section 602A states I have the right to privacy. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
Consumer complaint received 2023-12-12
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. (TX)

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

XXXX5 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 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I have made multiple disputes to have a bankruptcy file from XXXX removed from my credit report. The 4 credit bureaus/ reporting agencies , XXXX , XXXX , Trans Union , and XXXX XXXX XXXX all have reported this information : XXXX XXXX  XXXX XXXX : CASE ID # XXXX Address : XXXX XXXX XXXX XXXX XXXX , IN XXXX Phone : XXXX Type : :XXXX  XXXX BANKRUPTCY DISCHARGED Date Updated : XX/XX/XXXX Date Filed : XX/XX/XXXX Court Type : US Bankruptcy Court Date Updated : XX/XX/XXXX Date Paid : XX/XX/XXXX These credit bureaus/reporting agencies are privately owned companies and have collected and posted my data without my knowledge or permission. I have reached out to the U.S. Bankruptcy Court about this issue and they responded as such, " the court does not provide any information directly to third-party information gatherers. " ( See attachment documentation ) I supplied this information to the reporting agencies and they still refuse to remove this information. In accordance with the Fair Credit Reporting Act, Section 1681 ( a ) ( 5 ), any case, civil or otherwise dismissed, no longer exists in the eyes of the law, and therefore the credit reporting agencies have no right to maintain this information which the government has deemed non-existent on my report. It is only causing harm to my person to obtain employment and better housing by lowering my credit score
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

On XX/XX/XXXX, I filed a debit card dispute for XXXX fraudulent charges with Chime in the amount of {$5300.00} made on my account due to having my vehicle broken into. This took every XXXX I had. I do not have money for food or medications. I have medical issues and am struggling to take care of everyday tasks with no money. Within XXXX minutes of filing the dispute, they declined my dispute stating, " no error occurred. '' I called immediately to appeal and the lady I spoke with asked if I had an account with XXXX of the merchants and I said yes. She stated that I had to file that under " didn't receive services. '' She stated that she would separate the dispute into XXXX, XXXX for each merchant. This has been done multiple times. They state that I am on rebuttal XXXX, however, I have appealed only XXXX or 4 times. The other " rebuttals '' are from them combining and separating the disputes. I have submitted a police report. I also spoke with both merchants. XXXX XXXX stated that if Chime contacted them, they would possibly reimburse the charges. As of XXXX Chime has not contacted or submitted a chargeback to either merchant. I have called everyday multiple times a day on some days inquiring about my provisional credit as well as the case. I have been hung up on multiple times. Their policy states that they will give a provisional credit after XXXX business days, but Chime keeps starting the time from the new rebuttal filed. I have an email from Chime on XX/XX/XXXX that states I would receive my provisional credit on XX/XX/XXXX and a decision will be made by XX/XX/XXXX, but Chime is coming up with more excuses and not issuing the provisional credit. I have sent emails and called to get this resolved to no avail. I've provided multiple files of evidence and Chime has yet to contact the merchants or submit chargebacks to the merchants to determine if they will even reimburse the charges. They denied the claims within XXXX minutes. There is no way that Chime can investigate this without contacting the merchant in a XXXX time frame. 
I had charges made fraudulently with XXXX also and they deemed the transactions fraudulent. I have attached the intake form, the email stating my provisional credit should be on XX/XX/XXXX, my police report, XXXX stating that their investigation shows that the charges were fraud, and a dispute letter. I am also attaching the email from XXXX XXXX stating that they have not heard from Chime.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE BLOCKED AND REMOVED. 
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.
Consumer complaint received 2023-08-04
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. (FL)

Corporate account beig reporting on my personal Transunion Credit Bureal. I have sent all the docs indication that the account being reporting by Transunion is a corporate account, in addition to many phone calls to this company without any results. Dates that Transunion has been contacted : XX/XX/2023 ; XX/XX/2023 and XX/XX/2023.