davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX 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 2023-02-16
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. (CT)

According to my research about FCRA 605, CrediBureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : 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 the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Consumer Financial Protection Bureau ( CFPB ) plays a critical role in protecting consumers in the financial marketplace. To enhance the effectiveness of the CFPB and ensure that consumer rights are adequately protected, it is essential to update and refine consumer law instructions. This ensures fair, transparent, and ethical practices by financial institutions, promoting confidence and stability in the financial system.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (CT)

The US Dept student loan was transferred to a new servicing company, US Dept of Ed/XXXX which is listed on my credit report as current. However, Equifax will not deleted the old account, US Dept of EducationXXXXXXXX  WAS and Im being denied for a Direct Graduate Plus loan to continue my education. The loan is being shown twice US Dept of EdXXXX and the new loan Serving companXXXX Dept of EdXXXX its the same loan. In addition, Equifax is reporting the US Department of Education student loan as it is in default according to Direct Loans which it is NOT! I need this problem rectified immediately. Thank you.
Consumer complaint received 2020-12-20
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC. (TX)

Ally bank closed all my Accounts 1. Checking and 2 savings accounts against my wishes and without my consent. Twice later reopened only to have it happen again Lost approx XXXX usd in the following butterfly effect after. Never Been told the reason. Therize its because I did something i asked and was told was ok and fine
Consumer complaint received 2020-12-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (SC)

Suntrust Bank has my correct Bank Account information, but they tried to charge an old account for my automatic payment. They reported the account as 30 days late on my credit report before notifying me that the payment didn't go through. 
They did not communicate with me until after the payment was 30 days late. But, I was setup on automatic payments, so the payment was not late at all. 

This has tanked my credit score right as it's time for me to buy a home.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2022-01-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KS)

Fifth Third Bank Mortgage calls multiple times daily between the 5th and 15th of every month at my office reminding me the mortgage is due. It is never paid late. They are not only harassing me, they are harassing my staff. I want this stopped or Im suing them!
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

CO PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Self Financial Inc. (OH)

I received a message from XXXX XXXX XXXX department about a possible fraudulent transaction. Within XXXX hours I said yes the XXXX dollar charge for tickets was not me. I called the XXXX department, closed my card before the transaction even went through. They told me we will refund the XXXX charges. After I was refunded XXXX XX/XX/XXXXof the charges they re charged me the money and said the charges were on me. I asked for them to reconsider. They now told me after almost a month they will not. The XXXX people will not refund me because I don't have the info. I don't understand how I can be told by a fraud department that there was a fraudulent charge on my account go through all the steps and then re charge me. It brought down my credit score because it took so long so I had to pay it. I have no where else to turn. I believe they did it because it was over a certain amount of money so they put it on me.
Consumer complaint received 2024-07-01
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. (NY)

I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since XXXX XXXX at XXXXXXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXXXXXX XXXX  to XXXX EST. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.
Consumer complaint received 2024-06-17
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 XXXX 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.
Consumer complaint received 2023-09-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (TX)

I tried using the card to make a purchase of {$1000.00} online. The card balance is {$1000.00} and is registered to me. The phone system or online methods of seeing and un-decling declined transactions is not existant. This is false advertising if not worse that you will not let me use my {$1000.00} online.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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

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

I demand the late payment reported in my account to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The Fair Credit Reporting Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Consumer complaint received 2023-03-10
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-01
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. (NY)

I do have a XXXX XXXX XXXX XXXXXXXX with limit of {$10000.00} since XXXX XXXX at XXXX XXXX received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from Transunion. I attached that letter with this complaint. I did call XXXX XXXX XXXX XXXX at XXXX today XX/XX/year> and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to XXXX XXXX XXXX from XXXXXXXX XXXX  to XXXX EST. Its surprised me when first person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss XXXX XXXX XXXX ' When he transfers to his XXXX XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I previously disputed my student loans from the Department of Education and XXXX that were showing up on my credit report at TransUnion with the CFPB. They were supposed to be removed due to a settlement agreement ( XXXXXXXX XXXX XXXX ) and TransUnion did eventually remove them from my credit report as XXXX was showing a {$0.00} balance. 

I received an alert today that those loans have shown back up on my credit report at TransUnion in violation of the settlement agreement and contradicting the statement in the previous complaint. 

These need to be removed from my credit report ASAP.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX  # XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX/XXXX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX