davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-24
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 am writing to address the presence of unfamiliar accounts on my credit report, which I suspect may be the result of identity theft, as I have not authorized them. Despite bringing this matter to your attention previously, these accounts remain on my report. I urgently request that they be removed at the earliest convenience.

The inclusion of these unauthorized accounts has caused considerable stress and does not accurately reflect my credit history or financial responsibilities. Dealing with the repercussions has been challenging, and if a resolution can not be reached promptly, I am prepared to take legal action to protect my rights and seek a resolution.

These inaccuracies on my credit report pose a significant obstacle to achieving important financial goals, such as purchasing a home and providing for my family. I sincerely hope that we can swiftly resolve this issue to avoid further disruption.

Thank you for your attention to this matter.
Consumer complaint received 2024-05-24
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. (OK)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Consumer complaint received 2024-05-24
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. (FL)

On XX/XX/year>, I Applied For A Platinum Card With XXXX XXXX, However I Was Denied. This Is Unlawful As I Am The Creditor Extending My XXXX XXXX This Company, and As The Creditor I Have The Right To What I Define What Credit Is To Me As Well As The Right To Authorize The Furnishment Of My Information In Which I Did Not. As A Result My Information Was Given Out and I Suffered A Lose XXXX and XXXX  anXXXX XXXX, Not Only That But It Showed Up On My Consumer Reports.
Consumer complaint received 2024-05-24
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. (GA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-24
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. (KY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX FXXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

Hello, I opened a credit card account to HSBC. Account was approved. Then, I wrote a check for a balance transfer. It was first approved and then denied as it was " dishonored and returned ''. I tried to call the company and the special dept that takes care of this problems is never available or they do not respond. I tried then closing the account and they say the only one that can do that is the special department but they are unreachable. So, I have a credit card that I opened and I can't used and I can't close neither.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

After sending multiple letters regarding these inaccuracies on my report, these credit reporting agencies never responded or provide any resolutions. They are reporting late payment but I was never late paying for any of my account. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you are unable to provide the requested information and validation, I insist on the immediate correction or removal of these unverifiable information on my report. These accounts XXXX XXXX XXXXXXXX with the account number XXXX and XXXX XXXX  account number XXXX are reporting inaccurately on XXXX and TransUnion These accounts was paid always on time and was never late. I am always paying on time. This should be remove on my report immediately.
Consumer complaint received 2024-05-24
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 2024-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am unaware of this debt. I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you believe I receive proper notification. Please provide the certified mail with the receipt with my wet signature on there stating I received it
Consumer complaint received 2024-03-25
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. (CA)

I am sending this complaint to convey my deep disappointment regarding the inaccuracies and omissions found in the information provided on my credit report. The data provided for the mentioned accounts is insufficient for proper validation, and I urge you to promptly take action to remove them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

It's perplexing to me that while other credit bureaus have successfully removed these accounts from their records due to identified errors, you have somehow verified them. I urge you to rectify this discrepancy by expunging these entries from my file, as they are either inaccurate, erroneous, incomplete, or unverifiable. 

I expect a comprehensive investigation into these matters, along with any supporting documentation utilized to validate these debts. According to my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and verifiable information on my credit report. 

Your persistent failure to adhere to FCRA guidelines and disregard for my rights is unacceptable. I demand the prompt removal of these items from my credit report, as they fail to meet the necessary criteria for accurate reporting. Any further delay or disregard of my rights will result in legal action against your organization. 

It is imperative that you address this matter promptly. I anticipate your compliance with FCRA guidelines to ensure accurate reporting.
Consumer complaint received 2024-05-24
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. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX - XXXX, XXXX XXXX  - XXXX
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-05-24
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. (GA)

This account status is closed on XXXX and has been for a while. However, XXXX and Transunion continues to report the account as open. Since the same data furnisher is used, these accounts are inaccurate. This inaccurate information is reporting and is hurting my ability to obtain credit. XXXX and Transunion failed to investigate this account properly and their neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-24
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. (WI)

Upon pulling my credit report back in XXXX, I noticed multiple fraudulent accounts on my credit report. These accounts do not belong to me. Who are these companies? I also have never given my personal information to anyone. These accounts need to be removed immediately. 

XXXX XXXX XXXX with a balance of {$4600.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX XXXX with a balance of {$260.00}. Posted XX/XX/XXXX Acct # : XXXX XXXX with a balance of {$560.00}. Posted XX/XX/XXXX Acct # : XXXX XXXXXXXX XXXX XXXX posted XX/XX/XXXX Acct # : XXXX
Consumer complaint received 2024-05-24
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 pulled a copy of my credit reports from TransUnion, XXXX, XXXX and notice many fraudulent and erroneous accounts. I DID NOT ORIGINATE OR AUTHORIZE these fraudulent accounts to be posted on my credit report, please remove them within XXXX business days of receipt of this letter on clear grounds of Identity Theft Pursuant to XXXX XXXX XXXX. Also, Update my XXXX XXXX immediately pursuant to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX b ). DELETE INQUIRIES : XXXX, XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX. DELETE AKA : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DELETE PREVIOUS ADDRESSES : XXXX XXXX, ADD CORRECT NAME ( ALL ) BUREAUS : XXXX XXXX XXXX.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL (LA)

on XX/XX/2018 I submitted {$40.00} to my XXXX and XXXX visa card account dispute the cycle date update not being shown ( I did this in order to try to get ahead and not pay so much at the end of the month when payment is due ) I made another payment of {$110.00} on XX/XX/2018, 3 days before the payment date for a total of {$150.00} which was due at the time. 
on XX/XX/2018 I received an email about not making my payment, I just ignored as someone making a mistake, but just be sure I checked my account and was shocked to see that I owed a large amount although I had already paid for the past month and I immediate access my account website and start a chat in order to find out what was going on, the chat didn't work out due to tech issues. so once got home I phoned XXXX / XXXX and was told that I owed more them {$200.00} that was past due, I tried to tell the man that it was a mistake and was told that I had submitted {$40.00} before it was time to submit the amount, I was like what wrong with submitting a payment early and the call soon turned into a shout match on my part because I couldn't understand what I had done wrong. soon after I received a letter via the postal mail stating that my credit line had been decreased and I knew it was the early payment for the letter and decrease ( I don't care what they said about the credit reporting and other crab!!!! low score!!! etc. ) what XXXX / XXXX is during is illegally and not making sense, I want my {$750.00} credit line decrease to be restored plus all the so call late fee 's that I got hit with that totals almost {$400.00}. I tried once again to talk to XXXX / XXXX on XX/XX/2018 and was told in no uncertain terms to pay {$40.00} that was overdue and another {$220.00} by XX/XX/2018, the clerk I spoke to sounded like she was having fun at my expense, enough is enough!!! I been with XXXX for years and never had an issue until now ( synchrony bank  ). and always paid on time.
Consumer complaint received 2024-05-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account number : XXXX Account Name : XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX Account number XXXX Account Name : XXXX XXXX Account number : XXXX Account Name : XXXX Account number : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 2018-08-06
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We have applied for loan modification 3 times. 
First, we applied in XXXX with a valid hardship. We submitted all documentation to verify all non-borrower contributors. However, Wells Fargo only utilized one income ( the borrowers ). When questioned, Wells initially said they DID utilize all non-borrower contributors ( which would have been 3 additional incomes, PLUS the borrowers income ). When pressed for documentation, they then said they did not use all the non-borrower contributions because they believed the borrower did not live in the household. He did live in the household. They never asked for any documentation NOR did they state that was the reason for denial until the following year. 

The second time we tried for loan modification in XXXX, we were denied for almost everything due to a chapter XXXX bankruptcy we had to file to save our home. We were approved for a short sale. We appealed this, because we received a promotion at work with higher pay AND because the bankruptcy was dismissed. In their calculations, they also used two different incomes. I asked why, and they did not respond. They stated we did not make enough money to support a repayment plan. I asked the NPR calculation used and which income they used. They did not respond. They denied our appeal and said we would need to resubmit an entire loan modification packet to be reviewed without the bankruptcy. 

Right after the denial of the appeal, they set a foreclosure sale date. 

We asked for a short sale approval since we were previously approved for one, they said no. 

I am reapplying for loan modification but each time I submit a piece of verification paperwork they ask for more things. This means they are going to keep denying it until they take my home. 

I can not get ahold of anyone that has answers, nor get a call back, unless I file a complaint with CFPB.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

cease and desist. you are spreading false information on me and i have suffered real damages and harassment based on your fraudulent reporting. i don't want any XXXX credit and i don't want anything to do with your company or your XXXX processes. stop spying on me and tracking me full stop. im done. leave me the XXXX alone. delete me from your system.