davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-04
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed : {$360.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2400.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$9100.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$530.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$670.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-01-19
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)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-04
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. (IL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$60.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXXXXXX Balance Owed : {$32000.00} Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX Chapter XXXX Bankruptcy Dismissed Date Filed/Reported XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have recently initiated a dispute concerning certain entries on my TransUnion, XXXX, and XXXX credit report. The rationale behind contesting these adverse entries arises from their inaccurate portrayal and non-conformance with XXXX compliance framework. The XXXX Compliance mechanism, collaboratively established by TransUnion, XXXX, XXXX and XXXX, serves to ensure the precision of consumer credit reports. It has come to my attention that TransUnion, XXXX, XXXX 's adherence to these stipulations outlined in 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681 ( e ) ( b ) has not been fully observed. 

I have diligently attempted to rectify these inaccuracies with TransUnion, XXXX, and XXXX 's assistance. Regrettably, despite the evident misreporting of the accounts, TransUnion, XXXX, and XXXX has chosen not to elimnate the adverse entries from my credit report. For your convivence, I have appended evidence of my correspondence with TransUnion, XXXX, XXXX 's accompanied by substantiation underscoring the jurisdiction for the removal of the negative accounts. My formal request is that you meticulously review the provided documentation in order to facilitate the expungement of these unfavorable elements. Enclosed within are materials substantiating the grounds for the requested removal. I kindly solicit your through assessment of the furnished evidence with the objective of effecting the elimination of the identified negative items.
Consumer complaint received 2024-01-19
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. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-09-01
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)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Consumer complaint received 2024-04-20
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America regarding the neglect and mismanagement of my account, which has resulted in severe financial and psychological distress. Over recent months, I have experienced unauthorized transactions, address changes without consent, and an overall lack of responsiveness and care from Bank of America representatives. 

I have only recently regained access to my online account and was shocked to discover numerous transactions that I did not authorize or receive. Additionally, my address has been changed multiple times without my permission, leading to a stream of random mail and correspondence that has greatly contributed to my overwhelming situation. 

Throughout this ordeal, I have been treated with disrespect and insensitivity by Bank of America personnel. The lack of accountability and assistance has exacerbated my XXXX XXXX issues to a critical level, putting both my own well-being and that of my child at risk. 

I demand immediate action and resolution from Bank of A To Whom It May Concern I am writing to formally lodge a complaint against Bank of America regarding the neglect and mismanagement of my account, which has resulted in XXXX XXXX XXXX XXXX XXXX. Over recent months, I have experienced unauthorized transactions, address changes without consent, and an overall lack of responsiveness and care from Bank of America representatives. 

I have only recently regained access to my online account and was shocked to discover numerous transactions that I did not authorize or receive. Additionally, my address has been changed multiple times without my permission, leading to a stream of random mail and correspondence that has greatly contributed to my overwhelming situation. 

Throughout this ordeal, I have been treated with disrespect and insensitivity by Bank of America personnel. The lack of accountability and assistance has exacerbated my XXXX XXXX XXXX to a critical level, putting both my own well-being and that of my child at risk. 

I demand immediate action and resolution from Bank of America to rectify these issues and provide compensation for the damages caused. I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
I ask that Protection Bureau ( CFPB ) to investigate this matter thoroughly and ensure that appropriate measures are taken to prevent such occurrences in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 

Sincerely,
Consumer complaint received 2024-01-19
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 resubmitting this complaint to TRANSUNION regarding the presence of fraudulent accounts on my credit report. Despite previously filing an FTC report with the identity theft report number XXXX, I have observed that these fraudulent accounts persist on my credit report. I had hoped to rely on TRANSUNION to safeguard my information and furnish accurate credit reports. Unfortunately, my credit report continues to contain multiple inaccuracies, including erroneous balances, dates of late payments, payment statuses, dates of last payments, and violations under FCRA policy and CFPB rules, particularly concerning XXXX XXXX. To support my case, I have once again attached the FTC report along with a detailed letter of explanation outlining the reasons these accounts should be rectified or removed from my files. I appreciate your prompt attention to this matter and trust that TRANSUNION will take the necessary steps to address and rectify these inaccuracies promptly.
Consumer complaint received 2024-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted XXXX  XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ProCollect, Inc. (FL)

This Account was paid, closed, removed, in XXXX. The last 8 months or so pro collect has been reporting this account as new and every month has sent it to the bureaus. My credit scored has been demolished because of this and because its an apartment its showing on any housing that I apply for. I received a letter saying that a company has illegally obtained my information and has my information. I have called multiple time. Filed a dispute for this same account 3 times and instead of fixing this issue they keep saying that this is valid. I have spoke with them and the feedback I am receiving is more concerned with me paying another {$3000.00} instead of fixing there mistake.
Consumer complaint received 2024-01-19
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. (IN)

I have consistently made my payments on schedule and never missed a deadline, so this situation is causing me distress. I'm struggling with the inaccuracy on my account, which is affecting my sleep. I urgently request that you correct the late payment error and update my account as soon as possible.
Consumer complaint received 2023-10-09
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. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION (MD)

I received a service on XX/XX/2023 from a XXXX member and it was not done correctly/properly, I have been fighting back and forth with XXXX and Navy Federal Credit Union ever since. I reached out to the servicer ( " XXXX XXXX XXXX XXXX  ; XXXX contact : XXXX XXXX, XXXX ) the following day XX/XX/2023, about my unsatisfactory experience, and although she first suggested that I could come back in and get it redone, we had a disagreement of what I originally asked, I asked for a refund and she said that she would give me a partial refund ( not even half of the cost ), but she has yet to do so since. She has also stopped communicating with me to resolve this issue. When I paid for the service, I paid through my banking organization ( Navy Federal Credit Union ) that had a partnership with XXXX. Since I paid through my banking app, I originally reached out to my bank via email and over the phone and asked for a partial refund ( {$130.00} ), but they told me that because I sent her money through the XXXX section on my banking app, it's a " P2P '' purchase and I would need to work it out with the seller and/or XXXX. Unfortunately, the seller/servicer is not returning my calls or messages anymore, so I reached out to XXXX 's customer support via email and their phone service multiple times now. XXXX told me that I have to work out it out with my bank. I told them that my bank told me that I had to work it out with XXXX or the servicer, and I had already informed them that the servicer is not trying to cooperate with me at all. XXXX gave me no resolution whatsoever, and essentially implied that I was going to be out of my {$240.00}. I also filed a complaint with the XXXX XXXX XXXX for the servicer ( SXXXX XXXX XXXX XXXX XXXX Navy Federal Credit Union, and XXXX 's owner XXXX XXXX, but none of the complaints have resolved anything.The servicer refuses to acknowledge that the service she provided is not what I asked for or what was promised, and no matter how many times I try to reach out to her through her phone or her social media accounts, she's ignoring me. Navy Federal Credit Union nor XXXX is not providing a solution to the servicer after all these months no matter how many times I try to make a complaint! My bank continues to tell me that they can't do anything because it's considered a P2P charge, and XXXX won't do anything because it was purchased through my banking app. The service was a scam because I did not receive what I was promised or paid for!!!
Consumer complaint received 2024-04-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (CA)

To whom it may concern. 
My Name is XXXX XXXX. I got Fraud and Identity theft from company name Credence Resource Management ( debt Collector agency ) who claim I owed money from cable company call XXXX XXXX. I never know or heard about XXXX XXXX XXXX. I check the company does not even available in where I Live. I have been with XXXX for 20 years. how can I have 2 cable company in one house? Credence Resource Management ruin my credit by reporting to XXXX Credit Bureau. 
I contacted XXXX by phone and mail police report but no action from them. its been 6 months. PLEASE, PLEASE. CFBP help me. I've been working hard to keep my credit excellent. its really unfair this company destroy my life for no reason. please help me CFBP.