davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
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 utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, 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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-18
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC (TX)

I am using this entity to demand payment for violations begore i file a suit in federal court. 
I have told them to stop amd thry continue to text me : XX/XX/XXXX I received a text message XX/XX/XXXX I put them on notice about refusal of paying the alleged debt Still obtained text messaged on the fallowing days XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal actions by debt collectors Also violation of Identity theft, 15 USC 1681a4, as I have absolutely no contract with them and they gave a hold of my personal information eith out my permission. 

Please pay me a total of XXXX for the above mention violation I will post the proof of screen shots below. 

Act accordingly and avoid bring sued in federal court.
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (TN)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-23
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. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX months ago my credit score was perfect I got an alert that my credit score went down to XXXX amd I automatically call Transunion, this was only on transunion and they told me more than XXXX accounts were put in on my credit they were disputed and they remove them all was so happy but my credit score didn't change and I work hard to pay on time and to have my credit score excellent, credit union is reporting my credit score incorrect, I want my credit score correct
Consumer complaint received 2019-04-02
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: EQUIFAX, INC. (GA)

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (GA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX Balance : {$220000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX XXXX {$220000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$220000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXXBalance : {$17000.00} XXXX XXXX XXXX Balance : {$9500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8200.00} XXXX XXXX XXXX Balance : {$9000.00}
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (MI)

I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX Deposit the check with XXXX XXXX XXXX XXXX for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called LexisNexis and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. XXXX claimed to be able to Verify with XXXXXXXX XXXX but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE VHEICLE becaus XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with chase and it had been verified but its XXXX end who is not releasing & holding the funds
Consumer complaint received 2024-07-19
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: EQUIFAX, INC. (MI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-22
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. (NY)

YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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 XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Late last year in XXXX I heard about a company named XXXX, an App that could assist you with increasing your credit score. At the time I was looking for products to do just that, I debated for a bit because this particular company requires a down payment. Eventually I went ahead and moved forward I signed up and gave a security deposit of {$150.00}, the idea is you are borrowing against your own money and they report it as a trade line to the bureaus to assist with your credit. Everything was okay at first until one day my bank account which must be synced was disconnected. XXXX has essentially poor communication with their customers, I found this out when the issues raised. Due to the lack of real communication and explanation of why my account would disconnect or why I wouldnt be able to log in at times payments would have issues because the only way to make payment would be via autopay with synced account, or through the app to my knowledge. XXXX started to report me to the bureaus for late payments in the midst of me emailing them for assistance to get access to my account to make payments. They have virtually no response to emails outside of copy paste, their number doesnt give live agent access. If you dispute them with the bureaus you get no response from this creditor they just respond to the bureaus again with inaccuracies, The bureaus keep allowing them to report inaccurate information even when I provided proof. I even reported them to XXXX  and they were dishonest about following up with me repeatedly. Fast forward to this month they took {$120.00} from my bank after reporting my account as a charge off and still not responding to my correspondences. No explanation, my account is now paid in full and they refuse to update the bureaus with accurate information that the account is paid in full they refuse to delete the accounts from the bureaus and they refuse to return the security deposit. I dispute this with the bureaus and provided proof that they are indeed not reporting correctly and the bureaus still wont correct the information and are allowing inaccurate information to be reported! After doing research I should have done from the beginning I realized I am not the first customer to experience this with this company or the bureaus in relation to this company! They have ruined my credit history, essentially stole my money and at this time seem illegitimate. So I am reporting them in hopes that they stop this poor practice of false reporting and not communicating, or validation of the information they send. The bureaus are investigation must be more thorough to determine what is legitimate and what is not this is unacceptable.
Consumer complaint received 2024-02-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation (CO)

Whereas, on XX/XX/2023, instrument ( s ) of tender [ {$560.00} ] for the discharge/setoff/settlement hereinafter XXXX, for the discharge/setoff/settlement of BRIDGECREST account noXXXX XXXX  [ estimated {$20000.00} ] were sent to BRIDGECREST via United States Postal Service Certified Mail No. XXXX XXXX XXXX XXXX XXXX. 

Pursuant to UCC 3-311, Colorado Revised Statutes 4-3-311, BRIDGECREST had 90 days to return XXXX or credit the account. BRIDGECREST cashed the instrument. Pursuant to UCC 3-311, Colorado Revised Statutes, 4-30-311, UCC 3-603 , and the terms and conditions stipulated on the instrument, said XXXX is deemed accepted for the discharge/setoff/settlement of the above referenced account pursuant the records. This account is now deemed satisfied and or settled. 

BRIDGECREST has not responded to our demands to initiate arbitration and has not acknowledged payment thereby violating the above referenced laws.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-05-23
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. (CA)

I recently submitted a request for an investigation into the disputed account that you claimed was verified. Believing that you did not properly investigate my dispute, I contacted the data furnisher last month via certified mail. They responded, confirming that I was correct and that your records were indeed inaccurate. Since your investigation was not conducted properly, I request that you update the account information in my file accordingly. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$1100.00}
Consumer complaint received 2024-02-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NV)

I went to deposit my check on XX/XX/24. It was a settlement check. They told me I could call to remove the hold. I called Chase bank customer service, they accused me of fraud and said my name was not on the check. They also told me they couldnt contact XXXX XXXX XXXXXXXX, but then told me that XXXX XXXX XXXX told them the check would bounce. After speaking with my lawyers, I gave them the opposing counsels phone number, one of the people whose name was on the paper. They didnt call him, I then gave them the ceo of the company that I got the settlement from, and they told me that wouldnt work either. And now after the day the funds were to be made available, they are still not available and Chase bank is threatening to close my account and mail me my check back after a month. I am not able to contact anyone who will listen to me. This is fraud, and a scam.
Consumer complaint received 2023-06-21
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)

I have been a victim of identity theft and the consumer reporting agency isnt removing the accounts in question along with incorrect and inacurrate addresses.

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.
Consumer complaint received 2023-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingPoint Holdings LLC (PA)

I am a victim of identity theft. It appears someone gained access to my personal information and opened a loan with Lending Point company. I had to terminate my checking and savings account with XXXX XXXX  due to this identity theft because funds were being transacted via my financial institution without my knowledge or consent. 
Date of XXXX account termination XX/XX/23. 
I have spoken to a Lending Point representative over the phone and explained that my identity has been stolen and I did not apply for a loan with Lending Point. 
I have contacted the XXXX credit report companies and informed them of this identity theft. 
I am still getting phone notification from XXXX XXXX company currently. 
Please assist with possibly rectifying this serious matter.