davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-06
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. (LA)

I am utterly dismayed by the recent credit report I received! This situation is completely intolerable. It is profoundly disappointing that your company permits such glaring inaccuracies to persist, resulting in substantial harm to individuals ' lives and reputations. Despite numerous letters sent to your company concerning these erroneous accounts, it appears that TransUnion credit bureau has neglected to take appropriate measures and continues to report them. I am at a loss as to where you sourced the following accounts. 
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I urgently insist on the immediate removal of these accounts. These oversights on your part are causing me considerable financial distress. Failure to comply will force me to take legal action against both the bureau and the responsible entities. This is not merely a request but a firm demand for adherence to the law and justice for the impacted consumer. Thank you for your prompt attention to this pressing matter.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (GA)

Please be advised that I am fully aware of what is being reported on my consumer report. However, the response to the investigation was merely repeating what I stated in my initial request. Your response did not remedy the issue, nor did it respond to my concern about inaccurate reporting. With Wells Fargo being a fair and responsible lender, I expected your financial institution to do what was fair, and responsible by removing the inaccurate account from my consumer report.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

Experian is constantly removing points from my score... I have an on going investigation with Experian that I've filled on XX/XX/23 that they still haven't responded to.. Experian lowered my score by XXXX points on today 's date XX/XX/23 because one of my credit cards ( XXXX XXXX ) balance increased by {$95.00}. This account was at a zero balance and the {$95.00} was for an annual fee. I spoke with XXXX XXXX and informed them off what Experian did and they couldn't understand why they lowered my score by XXXX points because of an increase. I've never been late or have I been reported late by XXXX XXXX. I feel as though this is an ongoing thing that Experian is doing. Would like to know what else can be done about Experian that keep reporting negative things on my credit report. From my understanding Experian have been sued for ruing people credit by reporting false information and lowering their scores. I feel as though I'm being retaliated against because of my complaints.
Consumer complaint received 2024-05-06
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. (CT)

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 

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 2024-01-20
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. (OK)

Items on my credit file are inaccurate and has not been validated correctly per FRCA and FRPCA regulations. Listed items on my report are from companies that I have no contract with my validated signature to prove that I owe these companies nor can they place any item on my credit file. No validated proof has been provided. SEVERAL REQUESTS HAVE BEEN SENT BY MAIL AND BY NET. 

To Include : XXXX XXXX Transunion Accounts in disputes : XXXX XXXXCollection Account-No Signed Contract with Company. 
XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXXThey state they sold account and can no longer collect nor place on my credit file. 
XXXXThey State they sold account and can no longer collect nor place on credit file. 
XXXX XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 
XXXX XXXX XXXX-Collection Account-No Signed Contract with Company. 

There are NUMEROUS DISCREPANCIES on my credit files with Accounts showing Closed-Collection with listed agencies. There has been XXXX validations provided to prove accounts are valid. 

There are Several Inquiries on my credit file that I have XXXX affiliation with and have requested removal from all reports and nothing has been removed. 

This is harming my credit and has been detrimental to my credit file.
Consumer complaint received 2024-05-06
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. (CA)

This is my first 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, remove 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 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 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 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 2024-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I demanded a refund for services charged but not authorized by me for the amount of {$180.00}. The idiots thought it was about identity theft and bungled the whole process. I am frustrated they can take money with no accountability.
Consumer complaint received 2023-05-02
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. (FL)

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XX/XX/2023.
Consumer complaint received 2024-05-05
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. (MD)

I am writing to file a formal complaint against Trans Union due to fraudulent collection accounts that have been incorrectly listed on my credit report. These accounts, listed under XXXX for account number XXXX and XXXX XXXX for account number XXXX, do not belong to me and I believe they are the result of identity theft. Despite my efforts to resolve this issue directly with the credit reporting agency through several formal disputes, these accounts continue to appear on my credit report. These errors have caused significant financial hardship as they have negatively affected my credit score, resulting in denied loan applications and increased interest rates on existing credit.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I disputed and submitted a complaint to CFPB on TransUnion for a collection account with inaccurate data on my credit report which was then deleted from my reports by both TransUnion and XXXX. However the account was then readded back to my TransUnion report several days later. I went from XXXX derogatory remark to XXXX  when it was deleted and back to XXXX again when the same account that was just removed was reported back on my TransUnion report again!? How is this legal?! This is grounds for lawsuit! I want this account removed again and not placed back. I also want this report removed from my XXXX report as they have failed to do so as well. Also I have been notified by XXXX of the data breach from 2017 that my information was exposed and have been trying to clean up all these negativities from my report since.
Consumer complaint received 2024-05-05
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. (GA)

I have experienced identity theft and I have multiple things popping up on my credit report that I do not recognize. I have sent 2 letters out requesting for validation of debt and none of these companies or credit bureaus have provided what I am asking for.
Consumer complaint received 2024-05-06
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. (NY)

I am reaching out to bring to your attention that I have been subjected to identity theft. This letter serves as an official dispute regarding the accounts listed below. Following the instructions provided by the companies involved, I have taken the necessary steps to address this issue. I have filed an identity theft report with the XXXX and have personally reached out to each company affected to dispute the information. I kindly request your assistance in resolving this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-21
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. (MO)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. 
Please help me delete these illegal accounts from my credit reports. Thank you
Consumer complaint received 2024-01-21
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. (MS)

I checked my credit reports there is inaccurate information thats on my file that wasnt made or authorized by me below I have attached my reports! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc. (ID)

To Whom it May Concern : This problem began 5-6 years ago, when XXXX had a promotion where they would pay any cancellation fees to our current carrier if we were to switch to them. Having multiple lines at the time, we knew this was a good deal, as it would lower our monthly phone bill significantly. After going through the long process of moving all of our lines to XXXX, we were instructed to go down the hall to XXXX XXXX this was in a mall ) and just start the cancellation process and that afterwards any fees would be " taken care of ''. 

It all sounded straight up, and I still don't feel that XXXX  was being dishonest or misleading. What we believe happened was that XXXX didn't like the marketing strategy and started some maneuvers to fight back, leaving we, the consumers, holding the bag, while two giants duked it out with all their legal mumbo jumbo that we couldn't keep up with. We also ended up in a mess right at this time when my husband lost his job- we were simply fighting to stay afloat. No time or resources to address this phone issue. 

We have given a very condensed version of events but hope this gives a good picture of what is going on. We initially talked to XXXX, who gave a small payout for compensation, which we don't remember what happened with it. XXXX was even less willing to work with us. Regardless, we believe that this is a debt we do not owe.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have an account listed on my TransUnion credit report under the tradeline XXXX. TransUnion has the account listed as a charge off with a balance of XXXX. This account was included in a XXXX XXXX bankruptcy that was discharged in XX/XX/2020. I have disputed this account several times with TransUnion, and they refuse to change the status to : " included in or discharged through bankruptcy '' with a XXXX balance. XXXX has the tradeline reporting correctly, and when I disputed the account with XXXX, they removed the tradeline completely. I need TransUnion to update this tradeline to reflect the proper information reporting on the other two credit bureaus.
Consumer complaint received 2024-05-05
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. (IL)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been more than 30 days. I filed a 30 day demand to comply, with the credit bureaus and still have yet to receive a response.
Consumer complaint received 2024-01-21
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. (CA)

On XX/XX/2022 XXXX XXXX XXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXXXXXX they could not find any information on the card but its still reporting on my credit report.
Consumer complaint received 2024-01-21
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. (MS)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The XXXX credit card company is reporting a balance of XXXX on an charged off account. This account debt was cancelled over 5 years ago and discover still reporting this account opened with a balance. The IRS has given them the charged off tax credit and XXXX wont update my credit report and cancel the debt and show a XXXX balance. 
Actually this account is past the allowed time for reporting to the credit bureaus. Please investigate and remove asap
Consumer complaint received 2024-01-21
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 am writing you this notice as a follow up for my previous notice sent 43 days ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.
Consumer complaint received 2023-04-10
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. (IN)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.
Consumer complaint received 2024-05-05
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. (IL)

Once again, I want to stress my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence significantly harms my credit score, particularly concerning the XXXX XXXX Account XXXX. As outlined in The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am entitled to the names and business addresses of each individual you consulted to verify the aforementioned items. Please provide this information promptly to facilitate my follow-up. Upon the completion of your investigation and necessary corrections, I kindly request an updated credit report.
Consumer complaint received 2024-01-21
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 am writing you this notice as a follow up for my previous notice sent XXXX XXXX ago from the date of this letter, to disputefraudulent unverifi able information on my credit report. The information you are reporting is inaccurate is resulting fromidentity theft.
Consumer complaint received 2018-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

Never came to terms, Have no debt with this lender what so ever, Had i known the terms submitted by the lender, i Would have never Submitted a Credit application. 

XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXXXXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX from XX/XX/XXXX Institution Information XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX Institution Information XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX