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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number XXXX. 

Account Name : XXXX Account Number XXXX
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had {$800.00} taken by Huntington bank from my XXXX XXXX account using a debit card that was issued by Huntington bank but frozen and not able to be used by me sin e they closed all of my accounts with Huntington bank. I have showed them proof that XXXX XXXX XXXX has sent me my bank statement showing the withdrawal from my account on to my debit card thst wasn't any good anymore and a statement from. XXXX XXXX XXXX which states thst it was XXXX that demanded the cash from XXXX XXXX transferred over to XXXX
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I formally dispute an account listed on my credit report by XXXXXXXX XXXX Account # XXXX. The account details are as follows : Account Name : XXXXXXXX XXXX  Account # XXXX I have never engaged in any business with XXXX XXXX Account # XXXX and have no contract with this third-party debt collector. Additionally, I was never notified in writing about this debt. If any such notification was sent, please provide evidence of this communication before this account was added to my consumer report without my consent. The presence of this account violates the Fair Debt Collection Practices Act ( FDCPA ). If this account is not removed from my consumer report, I will pursue legal action to protect my rights as a federally protected consumer. 

Furthermore, the account balance listed on my report shows discrepancies. The current balance differs from the original balance, which raises questions about the accuracy and completeness of the information. 

I also question the presence of payment terms listed as " 1 month '' on this collection account. This is contradictory, as collection accounts should not have such terms. Additionally, the status " COLLECTION ACCOUNT, past due '' is misleading since I have never opened an account with XXXXXXXX XXXX Account # XXXX. 

Please remove and delete this account from my consumer report immediately. There is also a date indicating when the account was supposedly opened, but I have never opened any account with XXXX XXXX  Account # XXXX. If you claim otherwise, provide evidence supporting your right to report this information.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MI)

My wallet was stolen at XXXX XXXX XXXX after whining a handpay. The tax form from winning the handpay was in my purse along with {$3700.00} cash XXXX debit cards my license, phone and number and virtual wallet. Ive submitted a police report and if theft report and official letter and they denied my claims.
Consumer complaint received 2024-06-06
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. (ID)

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding these fraudulent accounts. Following my submission, both XXXX and XXXX removed these accounts from their records. I have also directly contacted the banks associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
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. (TX)

I would like to follow up regarding the persistent inaccuracies on my credit report, specifically a late open account, despite many attempts to address and rectify this issue. I am seeking your immediate assistance to expedite the correction of this late open account to prevent further adverse effects on my credit history. Despite submitting disputes, the late open account on my credit report persists, causing significant stress and negatively impacting my creditworthiness. I have attached supporting documentation, including payment receipts, account statements, and any other relevant evidence, to substantiate my claim and facilitate a swift resolution. Recognizing the importance of the Fair Credit Reporting Act ( FCRA ) in ensuring the accuracy of credit reports, I urgently request your intervention to expedite the correction of this late open account I insist that all relevant creditors and parties involved be promptly notified of the inaccuracies and that necessary steps are taken to ensure the swift correction of this late open account on my credit report. Timely resolution is crucial, as this situation directly affects my ability to make informed financial decisions. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXXXXXX Balance Owed : {$450.00}.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-06-06
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. (NY)

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 2024-07-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (AL)

On XX/XX/year>, I submitted what should have been my last payment to my student loans. I then checked my bank account on XX/XX/year> to ensure they pulled the payment and saw they also pulled the monthly autopayment as well. They could not cancel the autopayment because they said it was already processed even though on my bank it was still pending. Once I reached out to the loan servicer ( EdFinancial ) they said that they had to submit the refund to two different departments for approval before I would even see the refund. They shouldn't have even charged the autopay since it got paid off.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am compelled to bring to your attention the consistent disregard by the Credit Bureaus for my requests to remove fraudulent items from my credit file. Despite repeated appeals, they have chosen to ignore my communications in direct violation of the Fair Credit Reporting Act, 15 USC Section 1681i, within the legally prescribed timeframe. This deliberate and conscious disregard for federal statutes demonstrates a concerning lack of compliance. Their obstinate refusal to verify information, despite my extensive efforts to resolve the matter directly with the creditor, represents a clear display of willful negligence. The following items, outlined below, continue to be erroneously listed on my credit report, exacerbating the injustice and distress caused by the bureaus ' inexcusable conduct : -- XXXX -- XXXX XXXX XXXX XXXX Balance : {$0.00} -- EQUIFAX -- XXXX XXXX XXXX XXXX XXXX : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX
Consumer complaint received 2024-07-13
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)

Transunion and XXXX refuse to remove a 90 day late that was placed on my credit report by XXXX XXXX XXXX. The report shows CURRENT TERMS MET all months until XXXX which abruptly becomes 90 days late. Then in XXXX it indicates CLOSED because I paid it off. 
Prior to my dispute, the report showed a 90 day late in XXXX and XXXX with CURRENT TERMS MET in all prior months. They modified the report by removing the 90 day in XXXX but kept the 90 day in XXXX, all other months are CURRENT. 

How could I have a 90 day late in XXXX when I paid it off ( in full ) XX/XX/XXXX? The account was posted as 90 day late XX/XX/XXXX. They did correct that but refuse to remove the 90 day in XXXX. Again how could the account go from CURRENT to 90 days late in one month? XXXX corrected this but the other two bureaus have not. 

The irony of this situation is the account was actually paid in full 2 years prior through a XXXX XXXX BK due to hardship when two family members became XXXX ill and I had to leave my job to care for them. I sold my home to pay off the BK at XXXX XXXX which included the XXXX XXXX XXXX. Months after the BK was discharged and the debt had been paid in full, XXXX XXXX contacts me stating I owe an additional XXXX. I have no idea why they added this after they were paid in full through the XXXX XXXX pay back. I made arrangements to pay them in full as soon as I received funds I was expecting which I did on XX/XX/2024. Then a week after paying them, they added 90 days to both XXXX and XXXX. 

I disputed and Tu and XXXX both refused to remove after. I disputed again and they removed XXXX 90 day but not XXXX.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-14
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. (TX)

This is reporting differently across all bureaus, showing inaccuracies. XXXX XXXX is not my debt this belongs to XXXX XXXXThey have sold this debt but also charged it off. I keep getting calls from people I dont know who are legit. They would not take the XXXX XXXX back and put it on my credit but not his credit when he is the one who got the vacuum
Consumer complaint received 2024-06-05
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. (MS)

PLEASE BLOCK AND REMOVE I urgently ask you to promptly remove the unauthorized accounts from my credit report. I did not authorize them, and they are causing me significant distress. Please correct this error without delay.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that Credit Agencies will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXXXXXX under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( 1 ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Consumer complaint received 2024-07-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CEX.IO CORP. (TX)

My accounts are being brute force attacked regularly and they suggest " chatting '' with their non-existent chat line. When that didn't work, I received an autoreponse to my ignored email I sent to them. I just want my accounts refunded and closed permanently because of their piss-poor approach to security. 

XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-06
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me.

Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars.

Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request.

I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I've discussed being a victim of identity theft several times. You must remove/block any ITEMS that were opened without my knowledge, consent, or authority within 4 business days by providing ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information does not relate to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to eliminate any records recorded on a XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Again. AS I STATED IN THE PREVIOUS COMPLAINT : There is an attempted credit inquiry on my TRANS UNION report. I DID NOT APPLY FOR A LINE OF CREDIT WITH XXXX XXXX. I contacted XXXX and they do not have an application of credit. I have a screenshot of what is on my TRANS UNION account, and as of today : the inquiry is still on my account. I WANT IT REMOVED AND THE INQUIRY INVESTIGATED. I WILL KEEP SUBMITTING COMPLAINTS UNTIL A PROPER ANSWER AND SOLUTION IS DONE.
Consumer complaint received 2024-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion.

Here is the account I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Consumer complaint received 2024-06-06
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. (GA)

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.