davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-28
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 am writing to formally dispute the inaccurate and erroneous accounts listed on my credit report. Despite my multiple correspondences and dispute letters sent to your bureau, these inaccuracies persist on my credit file. Upon contacting the companies associated with these accounts, they confirmed that the entries were made in error and assured me that the entire accounts would be removed from their records. However, your bureau continues to report these accounts, which is a source of significant concern and distress for me. Moreover, other credit bureaus have acknowledged the inaccuracies in the reporting of these accounts and have already removed them from their records. This inconsistency in reporting across different bureaus is not only perplexing but also detrimental to my creditworthiness and financial well-being. The persistence of these erroneous accounts on my credit report contravenes the principles of accurate and fair reporting mandated by the Fair Credit Reporting Act ( FCRA ). As such, I am requesting an immediate reinvestigation of these accounts. Your bureau is legally obligated to conduct a thorough and reasonable investigation, promptly reviewing all relevant information provided by the consumer, such as myself. 
DEPT OF EDUCATIONXXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Consumer complaint received 2024-05-28
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)

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this account ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (OH)

I took out a {$10000.00} loan on a legal settlement check that I have coming to purchase a camper and extended warranty for my vehicle. The funds were deposited from XXXX XXXX on XX/XX/2024. The funds were held for several days but then became available and transactions were coming out with no issue. On Monday XX/XX/2024, I went to the bank in Indiana which is 4 hours from my house because I didn't realize there wasn't a local bank when I opened the account. Since I didn't have my ATM card, I took my ID just so I could get my cash. When I showed up, I was told that they would not give me my money. I was never notified in any way shape or form that there was a problem and that I should not be able to expect my money before driving 4 hours there and 4 hours back. I still have nothing in my hand showing that there is a problem or what the problem is. I was told that I will be getting a letter in the mail. In the meantime I have over XXXX sitting in the account with no access to it. I might lose my campsite, they might come take my camper away, and I already lost the opportunity for a lower cost extended warranty because I have over XXXX miles on my car. Had I purchased it before I made that trip to get the money and prior to putting all those extra miles on the car, I could have got 48 months coverage. It will be over XXXX miles by the time this is settled, so I'll only be able to get 36 months and it'll cost me another {$700.00} on top of that. I had to borrow gas money to get to Indiana and back so I have to pay fees associated with borrowing the money. My money from the settlement is going to be available before this money so there's no reason for me to have had to pay an extra {$1900.00} in fees to get my money ahead of time when I didn't get it ahead of time because of the bank. My attorney cut a check yesterday to pay off XXXX XXXX for the whole loan amount. They will be paid before I will. They sent my check priority mail to me yesterday so I will have that in hand. Now I'm locked out of my online banking as well so I can't even check on the status of my funding.
Consumer complaint received 2024-05-28
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. (CA)

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding these fraudulent accounts. Following this submission, both XXXX and XXXX have removed these accounts from their records. 
I have also directly contacted the companies associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-28
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. (NJ)

I hope you are doing well. Despite our previous correspondence and my ongoing efforts, the fraudulent items remain on my credit report. I kindly request that you escalate this matter and take all necessary steps to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication about the progress and actions being taken to resolve these issues would be greatly appreciated. I understand that addressing cases of fraud can be complex, but it is crucial that we work together to expedite the resolution process. Your cooperation and assistance in this matter are essential to achieving a satisfactory outcome. The following items should be removed as soon as possible : XXXX : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00XXXX XXXX  XXXX Balance : {$110.00} XXXX  XXXX XXXX  XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$4000.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX  XXXX XXXX  XXXX Balance : {$2400.00} XXXX  XXXX Balance : {$4000.00}
Consumer complaint received 2024-05-27
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 looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account Self Financial XXXX is not complete or accurate. 
The open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION (PR)

I received two notificarions from credit card companies : XXXX XXXX ( XXXX WI XXXX ) Of a credit inquiry in XX/XX/XXXXvia XXXX XXXX And XXXX XXXX XXXX via XXXX on XX/XX/XXXX Needless to say I havent requested any of these credit cards. In fact, I have been in XXXX since XX/XX/XXXX ( until XX/XX/XXXX ), and I am from XXXX XXXX. 
Therefore, it is my understanding that someone is trying to steal my identity. 
Please address this ASAP.. I cant afford getting my credit score damage.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I was involved in an accident. I reported it to XXXX XXXX in XXXX XXXX XXXX Utah whom I received the loan through. XXXX XXXX would not help me like they stated instead told the guy at the repair shop that they would help them sue me. I was going through a rough time. XXXX XXXX has repeatedly lied to the credit report agencies about false balances. They have lied an stated that they was included in my bankruptcy and was not. They have threatened me that they are going to come and get me. Please view there reviews on XXXX and the Better Business Bureau. I do not know how they know when my credit score increase because they will close and charge off a false balance and then reopen it again on my credit reports. Transunion has allowed them to repeatedly do this. I am beyond stressed with this company.
Consumer complaint received 2024-05-27
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. (AL)

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 2024-05-27
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)

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 2024-05-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (SC)

Equifax is reporting false information on an auto loan that was already paid off.

Ive contact the lender and resolved the issue, but Equifax refuse to remove the false information.

The auto lender on my Equifax report is XXXX XXXX, which reports as closed and charged off and that has negatively impacted my credit score for years. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately.
Consumer complaint received 2024-05-27
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. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Consumer complaint received 2018-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PR)

Someone opened a credit card in my name in XX/XX/2018. Through the credit reports I was only able to obtain a partial number of the credit card. The card limit was {$500.00}, but since it was not paid the actual balance as of XX/XX/18 is {$620.00} according to Experian Credit Report ; in the XXXX and XXXX Reports the balance is {$570.00}. I called XXXX XXXX XXXX in XX/XX/2018 when I noticed the account in my credit report and informed that I have never applied for a card with them. They said that they will investigate and send me some documents in the following two weeks. However, after over a month I have not received any papers. I called again today, XX/XX/2018 ( XXXX ) and speak with Mr , XXXX XXXX who indicated that it will take some 70 days to investigate and that I have to call again in a month. They did not provide any number for the confirmation of claim. This is affecting my credit score because the  card has not been paid since it was opened.
Consumer complaint received 2023-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX, I received a series of emails from Bank of America stating that a checking account had been opened in my name without my permission. I contacted the bank and had the account closed and filed a report of identity theft with FTC. During this process, it was recommended to me to place a security freeze with XXXX to prevent this from occurring again. On XX/XX/XXXX, I received another set of emails indicating another account had been opened in my name. I contacted the bank again and had the account closed and they recommended I place a security freeze with XXXX. However, the previous freeze I placed with XXXX was already in place. Per the text on their website " A security freeze is designed to prevent approval of checking, savings, credit accounts, loans, or other services from being approved in your name without your consent ''.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OK)

XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, XXXX, and Experian.
Consumer complaint received 2024-05-27
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. (GA)

Recently I looked at my credit report, and I noticed one of my accounts reporting some inaccuracies. This account is reporting a late payment for XX/XX/XXXX. This account is also reporting closed for XXXX, but paid for XXXX, and Equifax. This account was also never late. This account is also reporting different dates for date opened XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX and Equifax. On XXXX this account is reporting 30 days late, but on XXXX and Equifax this account is current. Date last reported is also showing 3 different dates XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and Equifax XX/XX/XXXX. Date of last payment is showing two different dates XX/XX/XXXX Equifax, and XX/XX/XXXX XXXX. According to 15 U.S. Code 1666b, this unauthorized late payment must be removed and updated. This late payment and these inaccuracies violates my consumer rights. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.
Consumer complaint received 2024-05-28
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)

In accordance with the Fair Credit Reporting act TD AUTO FINANCE 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 an account without my written instructions The Company failed to provide a validation letter to the consumer as proof of debt therefore my rights have been violated.
Consumer complaint received 2024-01-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (GA)

A deposit of {XXXX was made to XXXX XXXX on XX/XX/2023 for digital artwork that was never received. I, the purchaser, XXXX XXXX, made several attempts to contact XXXX via XXXXXXXX XXXX XXXX XXXX XXXXXXXX & there was no tangible response from the XXXX. The seller operated from her Georgia business that is actually dissolved now. I, XXXX XXXX, am requesting full refund of the deposit. My bank, XXXX, along with the company Zelle in which the deposit was sent, is aware of this issue & a dispute was filed. However, the external bank refused to refund the money. I also contacted the FBI.
Consumer complaint received 2023-03-19
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. (MA)

In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers 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 My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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 2024-06-01
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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  TRANSUNION : XXXX, XXXX, XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent dispute letters to XXXX, XXXX, and Equifax disputing accounts listed on my report not belonging to me. The dispute letter was received on XX/XX/year> by XXXX, XXXX, and Equifax. I have not received a response from XXXX, XXXX, and Equifax as of today. According to the Fair Credit Reporting Act the credit bureaus have 30 days to investigate and respond to a dispute. We are now over the 30 day time period, the inaccuracies should be removed from my credit report.