davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-08-13
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc (GA)

There are a few chime card secured Visa cards that were listed on my credit report with XXXX. I do not have an account with chime nor did I request these cards or make any payments towards them. These are cards that should be removed immediately and thereafter investigated to see whoever did so. I can be reached at given phone number and email address. XXXX XXXX
Consumer complaint received 2024-05-14
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)

Credit reporting agencies are reporting an inaccurate and illegal collection account to my credit reports which is in violation of the Fair Debt Collection Practices Act 15 USC 1692. XXXX XXXX XXXX account number XXXX is being reported inaccurately and illegally, as I have never agreed to conduct any business or entered into any contractual agreements with this company. Given that I have no established relationship with XXXX XXXX XXXX, I am not obligated or required to pay this debt. As such, the reporting of this account is inaccurate and unjust. XXXX XXXX XXXX has also failed to provide me with a strict proof of contract with my signature specifically naming ( XXXX XXXX XXXX ) as an entity entitled to collect a debt from me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose therefore XXXX XXXX XXXX did not follow proper protocols and is non-compliant with the FDCPA.
Consumer complaint received 2024-05-14
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. (DE)

I am writing to follow up on my previous complaints regarding the unverified and unauthorized negative accounts listed on my credit report. Despite my repeated efforts to dispute these incorrect items, they continue to be reported, causing significant distress and inaccuracies in my credit profile.
Consumer complaint received 2024-05-14
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. (MD)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 2024-05-14
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. (NY)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name XXXX XXXX XXXXXXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, OR, XXXX Incorrect XXXX - XXXX XXXX XXXX XXXXXXXX, NJ, XXXX XXXX XXXX - XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
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. (MA)

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name : XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : OPEN Status Updated : XXXX XXXX Balance : XXXX Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$11000.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

Incorrect Account Status : The account status is reported as " Open '' on all three credit bureaus, which contradicts the actual status of the account. According to the provided information, the account is listed as " Paid or paying as agreed, '' with a monthly payment of {$660.00} and no past due amount. Therefore, the account should be reported as " Closed '' or " Paid in Full, '' reflecting its current status accurately. 

Inconsistent Payment History : While the account history indicates timely payments, there are discrepancies in the reporting of delinquent payments. XXXX and XXXX show a 30-day past due status in previous months, whereas TransUnion does not reflect any delinquency. This inconsistency requires clarification and correction to ensure accurate reporting across all credit bureaus. 

Discrepancy in Balance Reporting : There is a discrepancy in the reported balance across the credit bureaus. TransUnion and XXXX report a balance of {$16000.00}, whereas XXXX reports a slightly higher balance of {$16000.00}. Given that the balance is a crucial factor in assessing creditworthiness, I request verification and alignment of the reported balance across all three bureaus. 

Date Last Active : The date last active varies among the credit bureaus, with TransUnion and XXXX reporting XX/XX/XXXX, while XXXX reports XX/XX/XXXX. This inconsistency raises concerns about the accuracy of the reported information and requires verification to ensure consistent reporting.
Consumer complaint received 2024-05-14
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. (MO)

XX/XX/2024 I contacted XXXX XXXX ( Card holder for the XXXX XXXX ) before XX/XX/2024, regarding a fraudulent account created by an unauthorized person in my name. Despite my request, they delayed closing this account until XX/XX/2024. I demand the immediate deletion of this account from my credit report as I have no knowledge of it. 
XXXX XXXX # XXXX I contacted the XXXX XXXX and they confirmed this card was used without my consent. There's no record of my name, email, address or phone number being associated with these purchases.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

U.S. bank closed my checking account for two reasons, one check missing signature and one insufficient fund. I've proof that one of the two companies paid me the same amount by check and the other XXXX to my account later. 
In the process of contacting U.S. Bank, they told me they will hold my money for three years. 
U.S. bank found no proof of fraud, but they closed my account and hold my money anyway.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm experiencing XXXX, dissatisfaction, and XXXX concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I haven't missed any payments, and I urgently need your assistance in resolving this matter.
Consumer complaint received 2022-03-07
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: CARTER-JONES COLLECTION SERVICE, INC (OR)

Account for my ex husband is showing on my credit report. Account paid in full on XX/XX//2022 Would like to have removed from my credit report because we are no longer married.
Consumer complaint received 2024-06-13
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-05-14
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)

XXXX XXXX XXXX has sent me XXXX letters to date letting me know that through thier company my personal information has been comprised. I went on all three bureaus to see information that's not mine. I am in need of assistance getting and keeping scammers from being able to use my information. I'd also love to hold XXXX XXXX XXXX accountable for allowing my PERSONAL information to be accessed without my permission.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 2024-05-14
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I find it extremely unfair that I am being subjected to such actions without any prior warning or opportunity to address any potential misunderstandings. 

This situation is not only distressing but also damaging to my reputation. I kindly request an immediate review of my account and a prompt rectification of this error.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 2024-05-14
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. (PA)

XXXX XXXX XXXX is reporting a credit card on my credit report and to which there were late payments on this account. This account at XXXX point did have a balance which I paid to just have removed from my credit since XXXX XXXX XXXX would not fix this issue. The payment was returned to me saying this account was fraudulent. XXXX XXXX XXXX will not remove this account from my credit although they have returned payments to me saying this account is fraud. I have disputed this as fraud multiple times off of my credit which they said they do not find it related to fraud.
Consumer complaint received 2023-05-01
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. (NC)

I submitted a dispute with XXXX, XXXX, and Transunion on XX/XX/2023 about a few items they are inaccurately reporting on my credit report. I have disputed these accounts with the credit bureaus and directly with the creditors multiple times all of which was not properly investigated by the credit bureaus and the items remained on my credit report. 

The accounts that were recently disputed were : XXXX. XXXX XXXX XXXX. XXXX OF XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX All 3 credit bureaus are reporting different dates for the date the accounts were opened, the dates the accounts were last active and the dates of last payment. All of these dates are inaccurate. I am entitled to an 100 % accurate report. All 3 credit bureaus should be reporting the exact same information accurately.
Consumer complaint received 2023-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NM)

In the service Cash App it is clear to me that in my profile there are three people that I do not know replacing three people from my phone contacts. Customer service will not resolve the issue. The 3 contacts from my phone do not appear and instead appear 3 unknowns.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

PLEASE HELP ME CORRECT THESE ITEMS AND HAVE A PROPER INVESTIGATION ON THESE ACCOUNTS.

late payment inaccurate
XXXX  XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX  XXXX XXXX
Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
late payment inaccurate

XXXX XXXX XXXX XXXX  Account Number: XXXX
15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX
Account Number: XXXX 15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.

late payment inaccurate
XXXX XXXX XXXX  Account Number: XXXX  15 USC 1666b of the U.S. Code states that a creditor cannot mark a credit card payment as late unless they
have taken reasonable steps to ensure the consumer receives their periodic statement at least 21 days before
the payment is due. The statement must include the information required by section 1637(b) of this title.
In accordance with the Fair Credit Reporting Act, I hereby request that these items be thoroughly investigated
and promptly removed from my report. It is my understanding that you are required to verify these items with
Consumer complaint received 2024-05-14
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. (CA)

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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exist pursuant to 18 USC 8 I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 1. ) XXXX XXXX XXXXXXXX I owe no debt. 
XXXX. ) XXXX XXXX  I owe no debt XXXX. ) XXXX XXXX I owe no debt XXXX. ) XXXX XXXX XXXX  I owe no debt