davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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. (CA)

I have sent numerous letters to your office about my identity theft situation, but my concerns remain unresolved. I am once again disputing the fraudulent information negatively impacting my credit file. 
Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. 

Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

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. (FL)

I was in the process of trying to get approved for a mortgage and was denied because of the collection agency violating my consumer rights with false misleading misrepresentation of information on my XX/XX/XXXX, XXXX, an transunion credit report. I'm not liable for debt with the creditor.I don't have any contract with any these creditors below. The creditors below are in violation of 12 CFR 1006.34 ( d ) and USC 1681-S2 ( 7 ) ( A ) Please delete the unliable unauthorized debt on my XXXX XXXX an transunion account immediately : XX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently reviewed my credit report and noticed an account wasn't reported accurately. I know accounts can miss represent paid on time reporting. I had two late that was paid on time. The Consumer Reporting Agency have an obligation to report all information with complete accuracy. I have attached a copy of this complaint in XXXX XXXX 'm now requesting you to investigate this account and update these payments to paid on time immediately. Thanks so much for your prompt action.
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. (MI)

When consumer went to purchase vehicle XXXX XXXX  already had an account balance on credit. Account has Illinois address. Account information does not match current address, previous address, school address or parents home address. No information on the account matches my credentials. Company refused to correct issues stating its not their responsibility, company has ignored multiple disputes. Company continues to report inaccurate information while violating consumer rights. Company inaccurate reporting has altered all credit scores making them report inaccurately and making it impossible for any purchase of vehicle. Company has update information in regards to address and still refuses to run accurate dispute. Company has been contacted multiple times.
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc. (IL)

We've sent two letters to Meridian Financial Services requesting debt validation which they've failed to do in the timeframe that they're supposed to. They call but won't help outside of collecting payment. We need our debt returned to XXXX XXXX so we can cancel our timeshare.
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. (AZ)

I have disputed two accounts on my credit report. They refuse to remove them. I filed a complaint with the FTC and submitted to them. It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c- 2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX XXXX XXXX in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law The below are in violation and the disputed accounts need to be removed from all XXXX agencies. 

XXXX Transunion XXXX
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. (CT)

I reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that is was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments i.ve attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX XXXX i/m now requesting you investigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or 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 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 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 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish
any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-07-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

I filed an unauthorized charge ( {$46.00} ) against XXXX XXXX XXXX hotel - which CHASE canceled my card for, making it difficult to travel for work, until the new card arrived. 
The debit card operation department reversed the unauthorized charge. 
Somehow the debit card reversal WAS ALSO RE-REVERSED!
Consumer complaint received 2019-07-05
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: EQUIFAX, INC. (OH)

Found these accounts and inquiries on my credit report : 1 ) XXXX  : {$1900.00} opened XX/XX/XXXX 2 ) XXXX  XXXX : {$310.00} opened XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX  : {$120.00} opened XX/XX/XXXX 4 ) XXXX  XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX 's XXXX  : {$540.00} opened XX/XX/XXXX 6 ) XXXX  XXXX/XXXX  XXXX  : {$2500.00} opened XX/XX/XXXX 7 ) XXXX  XXXX  XXXX/XXXX  : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX  : opened XX/XX/XXXX 2 ) XXXX XXXX  : opened XX/XX/XXXX
Consumer complaint received 2019-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (WA)

A credit card account I had with XXXX XXXX XXXX XXXX was sold without my knowledge to Elan financial services. I was on an automatic pay plan with XXXX XXXX and when I was not made aware of the ownership change the account went 30 days past due because the automatic payment arrangement did not persist with the new account transferred to Elan. Additionally during the period of the transfer of ownership I had a new job and was relocating so XXXX XXXX did not have updated address information that I could not provide until I found a new residence. As a result I did not receive any communication from XXXX XXXX or Elan about the change. I opened a dispute with the major credit bureaus. I want the 30 days past due removed from my credit report.
Consumer complaint received 2024-06-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I submitted a request to have the following information removed due to theft. 
The following accounts are listed below 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
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. (TX)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this inmediately re-investigated. the inaccuracies are higty injuerious to my credit score TRANSUNIONS : XXXX NUMBER ACCOUNT : XXXX DATE : XX/XX/scrub> XXXX XXXX XXXX
Consumer complaint received 2023-04-28
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: EQUIFAX, INC. (IL)

This is the sixth attempt that I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
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. (IN)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-19
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (GA)

In XX/XX/2023 I received and email from a debt collection agency, Westlake Portfolio Management LLC stating they had my loan that was with XXXX XXXX XXXX. I had contacted the company several times only to receive a different story each time. I sent a letter of Validation of Debt multiple times to be either ignored or told they never received the letter yet stated they knew about it. I asked why my account was with a debt collection since I was never late nor behind on my payments and could not receive an answer. I asked for the judgment stating my account was to be with a debt collection company as well as validation they are even legally allowed to collect in the state of Georgia and both questions were ignored. I am not refusing to pay said debt once validation is made but WestLake Portfolio Management LLC is refusing to acknowledge the Validation of Debt letter and is taking on late fees and reporting negatively on my credit report.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX violated Section e ( 10 ) of the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. '' attempting to collect a debt falsely represented that XXXX XXXX XXXX had a legal right to collect the debt XXXX XXXX XXXX is required to have a license under the New Jersey Consumer Finance Licensing Act, XXXX. XXXX et seq. ( XXXX ) to pursue collection, XXXX XXXX XXXX is a unregistered in the state of New Jersey and unbonded in the state of New Jersey.And is registered under XXXX ID : XXXX in the state and city of XXXXXXXX XXXX XXXX Branches : CA, XXXX, KS, NC, XXXX, TN, TX, VA
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Synovus Bank (AZ)

Approximately XXXX month ago a hacker changed my phone number, login information and address on the account. A fake payment was made and subsequent purchase made. I reported to the bank about the fake payment and charge, however I discovered that all my profile information had been changed. I called and spoke to customer service and was told I could not change the information back without sending a copy of my drivers license to them. I sent the required information XXXX weeks ago, I was told to call back, I have called XXXX  times and I am told they are verifying the information. A hacker has no problem changing my information, but me the account holder can't change it back or get the card unrestricted without sending Drivers license. Even with that, the bank continues to tell me it is being investigated. I spoke to XXXX today and he consulted with his supervisor which declined to provide his name, I was told again for the XXXX time that the information is being researched. This bank had no safe procedures to keep a hacker from changing my personal information, but for the account holder they refuse to acknowledge me and change my information back and unrestrict the card in a reasonable period of time. The customer service and/or supervisors are rude and unwilling to make the required effort to change the information back and unrestrict the card.
Consumer complaint received 2024-06-20
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. (LA)

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 XXXX XXXX, # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states i have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an 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 2024-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I set up a bill payment from my checking account on XX/XX/year> for my mortgage. On XX/XX/year> Bank of America took the monies out of my account. The same day it appears they put a HOLD on the transaction. The payment was due by XX/XX/year>. I assumed it was paid. Today I received a notice from my mortgage company the payment was not paid. I looked in my account and my money was gone and the payment has been on hold for 22 days with no notification to me. No one from Bank of America knows why the payment was held. No one can tell me if that is going to happen again. No one can give me my money today so I can wire my payment before it is 30 days past due affecting my credit. This is literrally theft by Bank of America. They are offering to cancel the transaction but I will not get my money back today. This is unacceptable. I need my money today and they need to wire the payment and cover my {$380.00} late fee today.