davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your XXXX of XXXX. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC (PA)

I applied for an Indigo Mastercard on/around XXXX as recommended via XXXX XXXX  . Per Indigo, they would provide me a decision within 7 business days. I contacted Indigo and was advised by a representative that I needed to provide a copy of my state Id front and back and upon the company receiving it my application would be approved. I have faxed over my IDs multiple times and for a while the company claimed to not have relieved it. I eventually was told that they did have it and it would take an additional 7-10 business days. I ended up receiving an email from Indigo on XX/XX/23 which stated that my application was not approved because they couldnt contact me. I called back on XX/XX/23 and requested to speak with the application department because NO ONE tried to call me. And if so, this would be my attempt to contact the company back to complete whatever verification process they needed to to confirm I was the applicant so my application could be approved. I was told by a rep AND a supervisor that there is no one I can speak to directly about this and that someone would call me back. A few days later I called AGAIN and spoke to another super who said the same thing. I wasnt able to be transferred to anyone and shed send an email for someone to call me but that they dont always return calls. How is this acceptable that a company can claim they tried to call me but never did and then when i respond to the email and also the letter which clearly states to call if I have questions there is no one I can speak to? Either process my application and Ive provided yous with the information you requested, let me complete whatever else you need to verify my Id or take the credit inquiry off my credit report.
Consumer complaint received 2024-06-17
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. (TN)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Dear Sir/Madam, I would like you to remove all the inaccurate and misleading information from my credit report. These inaccurate details have adversely affected my credit worthiness and hampered my chances of acquiring new credit. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I demand that the following items in my credit report be re-verified and removed : Lexisnexis is reporting incorrect information under my public file I have never filed bankruptcy the public information does not match my full name
Consumer complaint received 2024-06-16
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. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was informed by a few companies ( XXXX, XXXX XXXX, XXXX. ) that my account was denied due to information listed on XXXX, Transunion XXXX XXXX. XXXX, XXXX XXXX Transunion are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, XXXX XXXX Transunion is not correct in what they are doing. All XXXX credit report agencies are selling my information, they are not confirming with me what is correct and are only allowing the companies to post negative items on my credit,
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-07-05
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. (NE)

My account with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-15
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)

Ive contacted Transunion serval times over the past year I was told the information listed on my credit file was mix with another person and would be removed immediately they lied to several times no correction done I need these accounts to be removed immediately accounts, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive filed ftc reports and everything theyve asked of me and more but they fell to honor my request as if they dont care when it truly a mistake on theyre part fix it
Consumer complaint received 2024-06-14
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

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. 
XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX Account # ending in XXXX opened XX/XX/XXXX XXXX XXXX  Account # XXXX opened XX/XX/XXXX XXXX account # ending in XXXX opened XX/XX/XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish 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 items 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 2024-06-15
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. (MI)

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abily with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/year> Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-06-16
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)

I XXXX XXXX around XX/XX/XXXX I currently tried my best to make sure my credit was as clean as possible and fixed in order to eligible for an apartment. I noticed near XXXX XXXX or toward the XXXX XXXX XXXXXXXX that when I was reviewing my credit report I noticed there was XXXX XXXX XXXX XXXX  on my credit report. Which was a credit card I never opened up at all. I noticed there was a late payment on my credit report that affected my score and it answered all my questions from before on why I never got approved for an apartment previously. I spoke to the XXXX XXXX XXXX  myself and they closed the account and told me they were sorry and that they would have send me a check because thats an issue they should have caught themselves. Thats when I filed for a dispute and later thought they would have handled the situation but found out that it was denied by the XXXX XXXX XXXX creditor because when I spoke to Transunion and the rest of the bureaus they never mentioned I needed a police report for identity theft. At the time I didnt know this would be considered fraud and now XXXX XXXX XXXX currently at the same position again starting from square one because I was told that this would be off my credit report but it hasnt been solved the entire time due to misinformation and lack of care. During this time I filed for two disputes one for XXXX XXXX XXXXXXXX to let them know I paid my balance and that it should be off my credit report then the dispute for self lead bank revolving a credit card I never used which is identity theft. Overall I really do appreciate the people under Transunion and the rest of XXXX and XXXX for trying to help my case. In advance what would help is just knowing information so this could be corrected to avoid someone else misfortune because of someone else actions.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ). I recently checked my credit report and noticed billing errors.
Consumer complaint received 2024-07-05
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX
Consumer complaint received 2024-07-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (MI)

I satisfied this credit card collection from discover bank in XXXX of XXXX. I copied the letter proving I paid my balance in full. 
I went to apply for a mortgage preapproval and there was a negative comment added to my credit report in XXXX of XXXX according to the lender and the credit report that was pulled. This is negatively affecting my credit report. I called discover and they claim to have no idea what happened. They said they filed a dispute with the government credit agency, still waiting on information. 
They did state some error with the balance on their end in XXXX, but they said nothing negative was on my account. 
I would like any negative comments after XXXX of XXXX removed from my credit report. 
The letter attached provides proof that I have paid in full and do not have any debts to discover. Any mistake on their end should be removed from my credit report.
Consumer complaint received 2024-06-16
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)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my XXXX dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My identity was stolen, and I had no knowledge of this account until I went to get prequalified to buy a home. I had my wallet stolen in 2018 which my social security card and license and health care info had been compromised. A crime has been committed against me and someone is opening accounts and applying for credit using my social security number, I have been disputing and fighting this and other accounts since leaving a bitter EX-Spouse. I had contacted the police department and reached out to this company directly with no response, and filed an identity theft report. I have disputed this account with all three bureaus and they have all verified this item. How is this verified without my consent. I want a full investigation and will like this removed from my credit report entirely. I would like to buy a house. I have fraud alerts and freezes on all of my reports. All info have been sent to this company, I pay all of my bills on time and would have never gotten a loan.
Consumer complaint received 2024-06-17
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. (TN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AMERICA FIRST FEDERAL CREDIT UNION (CA)

I was scammed from apple pay and XXXX. Requested a refund and my bank refused. I have the amounts and the cash transaction : XX/XX/XXXX XXXX XXXX dollars from XXXX XXXX XXXX. 
XXXX XXXX dollars case XXXX XXXX transaction XXXX. 
XX/XX/XXXX XXXX dollars case XXXX XXXX transaction XXXX. 
XX/XX/XXXX XXXX dollars case XXXX XXXX transaction XXXX. 
XX/XX/XXXX XXXX dollars case XXXX XXXX transaction XXXX. 
XXXX XXXX dollars case XXXXXXXX XXXX XXXXransaction XXXX. 
XXXX XXXX dollars case XXXXXXXX XXXX transaction XXXX. 
XXXX XXXX dollars case XXXX XXXX  transaction XXXX.
Consumer complaint received 2024-06-17
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. (NE)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-16
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 am the author of this complaint. I have attached my dispute letter and forms of ID to this complaint for the purpose of verifying myself. 

I checked my credit report and noticed some inaccurate and fraudulent accounts reporting. 

XXXX. XXXX XXXX. DEPT OF ED/XXXX XXXX. XXXX XXXX XXXX These accounts are in violation of 15 USC 1681s-2b. I demand that a reasonable investigation is made and that these accounts be removed immediately
Consumer complaint received 2024-06-17
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. (LA)

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 XXXXXX/XX/year>