davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NY)

On XX/XX/2021- I was contacted by Radius global solutions LLC in efforts to collect on a debt.

On XX/XX/2021- I responded to Radius global solutions collection letter with a dispute letter.

On XX/XX/2021- Radius global solutions sent me a resolution offer of {$650.00}. With no debt verified.

On XX/XX/2021- Radius global solutions says they have received my recent correspondence ( dispute letter ) and can not locate an account with the information that was given in my dispute letter. 
In efforts to resolve this matter, I sent a follow dispute letter stating, In a good faith effort to resolve this matter amicably, I restate again my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

Around XX/XX/2021- Radius global solutions mails me communication stating they have received my recent correspondence ( dispute letter ) and Can not locate an account with the information provided. 
I have also noted in that dispute letter that [ Radius global solutions llc ] have failed to supply the demanded proof of the alleged debt, and again I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

On XX/XX/2021- Radius global solutions llc has sent me a resolutions offer in the amount of {$780.00} with have no proof of the alleged debt. Thats is {$130.00} more than the first offer requested to pay this alleged debt and they are continuing to contact me to try and collect on this debt after I have requested for them to terminate the collection because there is no proof of myself owing this alleged debt. They are in violation of my FDCPA rights.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2021-11-06
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: M&T BANK CORPORATION (NY)

I am writing this because had money that was taken from me by my Father. He Ended up taking {$14000.00} to be exact he told me he took it awhile after the case had Closed XX/XX/XXXX. No he Didnt have a reason to use the money on me No He did not have a medical reason to use the money on me. The money was court ordered to be deposited into an interest account with an Officer of M & T Bank so by time I turned 18 I was suppose to Receive that Amount.

I Turned 18 ( XX/XX/XXXX ) I Called M & T Bank that same day Gave them the 9 digit Routing number on the bottom of the check I Also gave them the 10 Digit account number. They searched them and said that there was never no account in my Name they proceeded to ask me for my social I Gave it to them they told me again there was no name in the System under the Name of XXXX XXXX in there system. 

I ended up calling M & T in XXXX NY. XXXX XXXX XXXX XXXX to be exact to see what was going on because the check was suppose to be Deposited with an officer of the bank at that specific branch I Ended up speaking to the manager at that bank they were able to locate the account number and routing number under the name of XXXX XXXX  . Then proceeded to tell me that the account wasnt mines and couldnt give me no more information and that the account of closed out in XXXX of XXXX then proceeded to hang up the phone. 

Im writing this because Ive been dealing with this for months since ( XX/XX/XXXX ) up until this present day Ive done everything I can Ive talking to my lawyer that represented me on this case he didnt know what to do I talked to other lawyers. Theyve never heard this before and could only assist legal advice Ive been calling all over to any and everyone I could reach out to help me Ive walked into M & T Personally many times they dont know what else to do besides send it up to the M & T legal department . Ive even went down to the court that settled this case they told me it was taken in error and to hold the bank accountable then they suggested me to contact you guys and Im really writing this because I want the money that was Wrongfully taken from me when I was younger Im only XXXX doing all this and Im really losing my mind trying to get my money back I would really appreciate the help
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Information on my credit report continues to report inaccurate after I requested an investigation. Under the FDCPA you can not report inaccurate information. This is causing me daily XXXX  and XXXX. I can not get approved because of this inaccurate reporting.
Consumer complaint received 2024-06-18
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. (OH)

In accordance with the fair credit reporting act XXXX XXXX acct : 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. it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-06-18
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 recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.I have not supplied proof under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-06-19
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX : {$XXXX} XXXX XXXX XXXX XXXX : {$XXXX}
Consumer complaint received 2024-06-18
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. (AL)

15 U.S. Code $ 1681c-2 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. It has been well over XXXX days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$41000.00} XXXX {$5400.00} Collection 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-11-06
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: WELLS FARGO & COMPANY (CA)

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on WELLS FARGO ( Account number : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion, XXXX, & XXXX continue to report the account listed as XXXX XXXX XXXX Account XXXX XXXX incorrectly. There are several inconsistencies within the account which means this account has not been properly verified as accurate and it is causing me harm. The account is also reporting as a charge off and this can not be correct. Any balance on an account over a {$1.00} federal law states the overdue balance is refunded to the consumer. 

Last Verified : XX/XX/XXXX - - Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX - - Account Rating : Paid Paid Derogatory Creditor Remarks : Payment after charge off/collection Paid profit and loss Unpaid balance reported as a loss by credit grantor. 

Paid charge off XXXX related Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Since none of the information matches this means none of the consumer agencies did a reasonable investigation and just reported random information to collect payment from the creditor.
Consumer complaint received 2024-06-18
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. (GA)

I am writing to dispute fraudulent information that appears on my credit report provided by XXXX. Upon reviewing my credit report, I have identified an account labeled XXXX XXXX XXXX XXXX that I did not open or authorize. This fraudulent account is not associated with any transactions or activities conducted by me, and its presence on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

The fraudulent account details are as follows : - Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX - Reported Balance : {$600.00} - Date Opened : XX/XX/year> - Status : Collection account The inclusion of this fraudulent account on my credit report not only represents a severe breach of my financial security but also poses a significant threat to my creditworthiness and reputation. As per the FCRA regulations, credit reporting agencies bear the responsibility of ensuring the accuracy and integrity of the information they report on individuals ' credit profiles. 

Section 611 of the FCRA explicitly outlines the responsibilities of credit reporting agencies when reporting fraudulent information, emphasizing the need for accurate and timely investigation of disputed accounts. The presence of unauthorized and fraudulent accounts on my credit report not only compromises my financial standing but also violates my rights under the FCRA. 

I demand that the fraudulent account labeled XXXX XXXX XXXX XXXX be promptly investigated and deleted from my credit report. This unauthorized account poses a serious risk to my credit reputation and financial well-being, and its immediate removal is imperative to mitigate any further harm. 

I expect a prompt response and the deletion of the fraudulent account from my credit report within the legally mandated timeframe of 30 days. Failure to address this matter in a timely and compliant manner will result in further action to seek redress for the violation of my rights under the FCRA. 

Thank you for your immediate attention to this critical issue. I look forward to the swift resolution of this dispute and the removal of the fraudulent information from my credit report.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-02-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank called me 3 times in a row, after the first time I sent to voicemail because I was in work. I was only 3 days past due. This is the second time they have harassed me. I want the repeated phone calls to stop. I forgot about the amount due and they didnt waste time calling me more than 3 times in a row.
Consumer complaint received 2024-07-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I received notification from USAA XX/XX/year> that my access to my banking was locked. XX/XX/year> I contacted USAA and was told that the accounts were locked for 7-10 business days. I asked to speak to member resolutions and was told that department was closed and to call back. I asked for a direct contact and was told there was not one. 7-10 business days is not a reasonable time frame to disable someone from accessing their online banking.
Consumer complaint received 2024-06-18
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)

My account with the company has always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on Autopay. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family.

I demand that the late payment reported in the specified months be removed.

The company is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

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

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

Please remove the late payments from my consumer reports.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

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 XXXX  party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-18
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. (NJ)

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 2024-06-19
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)

did reached out to TRANSUNION ON XXXX XXXX ABOUT A DISCREPANCY AFFECTING MY CREDIT WORTHEE NESS BEACUSE OF ERRORS BEING REPORTED ON MY CONSUMER FILE. WHICH SHOWS THAT TRANSUNION DID NOT MEET FCRA REQUIREMENTS AS IT IS REQUIRED TO DO ACCORDING TO FCRA TO INSURE MAXIMUM ACCURACY, MAXIMUM VERIFICATION AND MAXIMUM COMPLETENESS OF MY CONSUMER FILE. TRANSUNION WILLFULLY DISREGARDS FCRA COMPLIANCE. CFPB YOUR HELP IS GREATLY APPRECIATED TO HELP RESOLVE THIS MATTER ONCE AND FOR ALL.