davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
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)

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's my understanding that TransUnion will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate : XXXX XXXX XXXX ( account number XXXX )
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (FL)

Discover, I am writing regarding the credit card application ending in XXXX I submitted electronically on XX/XX/XXXX, which I understand has been denied. I have communicated with you in the past in the CFPB complaint case # XXXX trying to resolve this issue amicably. Which, you were not willing to reconsider the application even after me explaining that I do not gift nor abandon securities of mine at any time. While I was waiting patiently for you to act in good faith by returning my deposit. As I was not informed of the specific deposit amount or the terms for its return at the time of application denial, I am formally requesting the immediate return of any deposit or securities held in relation to my application. 
Pursuant to the Electronic Fund Transfer Act ( 15 USC 1693 et seq. ), and the Truth in Lending Act ( 15 USC 1601 et seq. ), I expect a prompt and full return of all funds associated with this application. Please provide detailed information on how these funds will be returned to me, including the total amount to be refunded. With documentation proving the amount is accurate and in full. Including any interest that you may have gained now from something that was not yours, possibly trying to unjustly enrich yourselves while I was patiently waiting for my deposit back. 
I would appreciate a response confirming the action you will take, and the timeline for the refund, within 10 business days upon receipt of this notice. If the refund is not processed within this timeframe, I will consider further actions, including but not limited to legal actions, filing a complaint with my states banking regulatory agency, FTC, etc. in which I am letting it be known in this notice that every day that goes by it is causing me XXXX XXXX, financial harm, and other harm as well as time and energy I can not get back. Furthermore, pursuant to Gramm-Leach-Bliley Act ( GBLA ) of 1999, please send me documentation on the steps you have taken to protect my private information. If you fail to do so please provide me a statement under penalty of perjury that you are not selling my personal information on secondary markets. 
Thank you in advance for your immediate attention to this matter. Im looking forward to your prompt response and the resolution of this issue. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-05-08
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. (PA)

I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Can you check the documents, please? Some of the listed accounts are inaccurate in terms of reporting, including inaccurate amounts and dates.
Consumer complaint received 2024-01-24
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. (LA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-01-24
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. (NJ)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-01-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am FRUSTRATEDLY DEVASTATED by your recent response declining my request to block a fraudulent account on my credit report. Your computer-generated letter lacks transparency and declines without determining material facts. 
XXXX - XXXX XXXX XXXX This aggressive violation of my rights raises questions about the authority to decline without just cause. I demand an immediate reconsideration of my request with a comprehensive explanation for the denial.
Consumer complaint received 2023-07-27
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: EQUIFAX, INC. (NC)

I have made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC (FL)

I requested that companies remove unauthorized inquiries and they refused. 
XXXX XXXX XXXX, XX/XX/year>XXXX XXXX XXXX XXXX, XX/XX/year> XXXX XXXX XXXX, XX/XX/year> XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of 2023 to the credit bureau for our XX/XX/2023 mortgage payment to XXXX XXXX XXXX XXXX XXXX. 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the XXXX payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs. 

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts. 

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of 2023 credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.
Consumer complaint received 2024-01-24
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. (AZ)

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX  Account number : XXXX XXXX Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A ) Account number XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK ) Account number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-05-08
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. (CO)

This is NOT a duplicate complaint. I need the intervention of the CFPB like I've asked for in complaint XXXX and also referenced complaint XXXX. 

TransUnion has been completely incompetent in handling a dispute that I have as well as not letting me look at my credit report online. Transunion started a case number XXXX  XXXX on XX/XX/year> due to me not being able to view my credit report on Transunion.com. It was supposed to be resolved within 72 hours and it is still not fixed. When I call their number I can only get to offshore call centers where the associates are not only rude but have no option of transferring me to the United States. I DO NOT WANT OR CONSENT TO OFFSHORE ENTITIES HAVING MY PERSONAL INFORMATION AND SOCIAL SECURITY NUMBER!!! 

Furthermore I disputed a fraudulent account XXXX XXXX XXXX XXXX XXXX XXXX  ) with TransUnion and they just write the account off as verified. This account was not opened by me. I asked them for proof of verification and I got nothing back. I don't know what to do. If TransUnion truly believes this is my account then I demand the following. 

Detailed reports of : Proof of Method of Verification disclosing their investigation of this fraudulent account. 
Detailed proof of the date the account went into collections. 
Detailed proof on how you came to believe that it was me who opened this account supported by factual evidence. 

If this information isn't provided I would like the names, business addresses, and business contact numbers of the individuals involved in this investigation so I can have my lawyer issue subpoenas to appear in the federal U.S District Court of Colorado.
Consumer complaint received 2023-04-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc. (UT)

I have been paying this medical bill down monthly, consistently without fail to date of this complaint. It suddenly popped up on my credit reports & states that I owe {$650.00} when I actually owe {$450.00} as of this month, XX/XX/23. I have the recorded receipts. Please help as Ive made consistent gains paying this bill down from {$1400.00} plus dollars.
Consumer complaint received 2024-05-08
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 believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts are inaccurate in terms of reporting, amounts, and dates.
Consumer complaint received 2024-01-24
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I dispute and demand the immediate removal of the fraudulent account from my credit report : XXXX XXXX The bank confirmed the validity of the identity theft report, acknowledged a system error preventing record provision, and assured me of the immediate removal of the fraud account existing for over 7 years.
Consumer complaint received 2023-06-30
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: Self Financial Inc. (MI)

Self is now in violation of copyright infringement laws by misusing my copyrighted commercial property which is my name. I have owned all rights of my intellectual property known as XXXX XXXX XXXX XXXX XXXX since XX/XX/. Self does not have my permission to use my name in ANY capacity.
Consumer complaint received 2024-05-08
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. (MD)

I have been disputing these items thats on my credit profile for the last year. Some how my father accounts are reporting to my profile. XXXX XXXX XXXX XXXX and im XXXX XXXX the XXXX. The accounts listed below do not belong to me. 

XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
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. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MO)

I have told this company to freeze my credit account and to notify all XXXX credit reporting agencies to put an extended freeze on my account but they keep allowing other people to remove the freeze I have placed. Ruining my credit score and making it appear like Im working at other companies. Ive never worked at XXXX or XXXX although Ive been ordered there several times. My phone number is not up to date. The site said they are open but when I called they said they are closed. They will not send me my credit report so I can prove to lenders what my credit rating was when they told me. Plus I still have these XXXX XXXX XXXX on file when that was the card my employer and XXXX XXXX had shut off intentionally that I used to buy my XXXX with. Even though I had a prepaid credit card I could use for prescriptions until they dropped all my benefits to XXXX time and time again. XXXX XXXX from the XXXXXXXX XXXX  and XXXX.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

FCRA 605B mandates the elimination of any erroneous entries from my credit dossier. Could you kindly review the records? Certain entries therein are flawed in terms of their reporting accuracy. Compensation of {$1000.00} per each misreported item on my credit record is expected.
Consumer complaint received 2022-12-06
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am deeply troubled by the inclusion of this late payment on my account, especially considering my consistent track record of making payments on time. This discrepancy is causing me significant distress, and I implore you to promptly correct this error by removing it from my account.
Consumer complaint received 2023-07-28
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. (CA)

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, and XXXX  XXXX XXXX  XXXX. Please delete these accounts immediately.
Consumer complaint received 2024-05-07
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)

I have asked this company for the following information Do they have a proof of debt Transfer of ownership Purchase agreement Accuracy of Debt This is a violation of FCRA 15 USC Code 1681s2
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.