davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Dear TransUnion, XXXX, and XXXX, Its vital that we work together to underscore the importance of adhering to rules outlined under 15 U.S.C 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). These regulations clearly establish when a consumer reporting agency can furnish a report in connection to credit or insurance transactions that are not initiated by the consumer. 

The law states that reports related to such transactions can only be provided under specific circumstances : ( A ) The consumer explicitly authorizes the agency to provide the report. This authorization must reflect the consumer 's informed consent, underscoring the need for transparent communications. 

or ( B ) If the transaction comprises an unambiguous offer of credit or insurance, even without the initiation of the consumer. 

Further, it's critical to note that, with the only exception provided under section 1681g ( a ) ( 5 ), a reporting agency should never furnish a record of inquiries related to non-consumer initiated credit or insurance transactions. 

By holding firm to these legislated conditions, we ensure that consumers ' rights to privacy and control over their personal information are respected, and trust in our financial system is maintained. It's an essential responsibility, and together, we can ensure that these regulations are upheld for the benefit of all consumers. 

Thank you for your attention to this important matter. Please remove these inquiries below asap. Attached is an ID and statement for verification of myself. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Could you kindly take the time to thoroughly examine the documents provided as attachments? It's essential to carefully review these materials to ensure accurate understanding and consideration of the information contained within them. Thank you for your attention to detail in this matter.
Consumer complaint received 2018-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

XXXX XXXX attempted to reach out to me about a debt that was owed to XXXX XXXX XXXXt. However, to my knowledge I had no outstanding debts the creditor.

When I called XXXX XXXX to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX  and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

On Monday, XX/XX/XXXX I tried to transfer money from my savings account ( Citizen 's Access ) to my checking account ( XXXX  - XXXX  ). I have transferred to/from this account previously with no issues. 2 other times the account was locked for ID verification, and I followed all the prompts to undo the hold. 
Called to find out why the account was locked- and was given no information - " it's under review '' it could take up to 3 days. 
Called again every day - and was given the run around. No information or explanation as to why. 
Called on Thursday XX/XX/XXXX and was told " they sent you a letter regarding this- but we can't tell you what it says or why it's still locked. '' Was told to go online and try to transfer to a different account- but I can not get online because the account is locked.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-05-13
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. (FL)

I reviewed my customer reports and noticed that I have two late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of XX/XX/2024. I ask that you please review and investigate this matter and provide documentation with proof of statement showing that these payments were late. If proof cant be provided I demand these payments to be updated to paid as agreed on time as they should reflect due to the fact I was never late. Thank you in advance, please see supporting details attached.
Consumer complaint received 2024-05-13
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)

In XXXX, I noticed several fraudulent inaccuracies on my account. I then filed an identity theft report and sent all the supporting information to the company. The inaccurate, fraudulent information is hurting my ability to obtain new credit and affecting my ability to retain current credit lines. My credit score has decreased significantly. It is my understanding that you must investigate the items to ensure accurate and proper reporting. I requested another investigation and the immediate removal of the fraudulent XXXX XXXX XXXX account listed under my social. The company could not have possibly conducted a proper investigation. The XXXX XXXX XXXX account under my social security number does not even match my name on my social security card. I have only owned ONE vehicle in my entire life and I have the title, which I also provided to the company. That car was also NEVER, at ANY time, financed through XXXX and paid off over 4 years ago. I am requesting a real and THOROUGH investigation! Begin with the NAME PROVIDED! It is NOT my name! I have never had insurance or anything tying me to this fraudulent account/vehicle. I can provide proof of insurance on MY TITLED vehicle from the day I purchased it to today 's date. I am not even a resident of the state that vehicle was allegedly purchased in. I am demanding an IMMEDIATE deletion!
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (MD)

On XXXX, my cousin tried to send me {$90.00} via XXXX to my Navy Federal Credit Union checking account. One charge was for {$1.00} and the other charge was for {$90.00}. She banks with XXXX. My cousin XXXX account was hacked around the time she sent the XXXX, so she reported certain charges on her bank account as fraud. Her bank unfortunately reported her XXXX transfer to my account as fraud, and XXXX XXXX put a level XXXX restriction on all my accounts, including my credit card account. This is unfair to me because I have been a customer with XXXX XXXX  for over 16 years. XXXX even had her bank send a letter saying that they made a mistake by including the transfer as one of the fraudulent charges. I submitted an appeal to XXXX XXXX  with no luck. This is unfair.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

IM A FRAUD VICTIM. I REQUESTED THAT THESE FRAUDULENT ACCOUNTS BE REMOVE, THEY SAID THAT IT WAS ONE OF 4 CHOICES, BASICLLY A GENERIC CODE TO TELL YOU THAT WE NOT TELLING YOU WHY WE AINT DOING THIS. SO THEY DID DO A REINVESTIGATION AND IT CAME BACK ACCURATE BUT ALL THE ACCOUNTS ARE NOT ONLY FRAUD BUT THE ACCOUNTS ARE OVER XXXX PERCENT INCOMPLETE.NO PAYMENT HISTORY, NO MONTHLY BILLING HISTORY, INCORRECT FIELD ALL OVER THE ENTIRE CREDIT REPORT. XXXX CAME BACK AS CERTIFIED ACURATE. THE OTHER CREDIT BUREUAUS CAME BACK AS ACURRATE.I REQUESTED BEFORE AND IM REQUESTING NOW A REQUEST FOR METHOD OF VERIFICATION. HISTORY OF PAYMENT FOR THE ENTIRE TIME ACCOUNT WAS OPEN TO CLOSED. MONTHLY BILLING HISTORY FROM OPEN TO CLOSED ACCOUNT. I HAVE ATTACHMENTS. IF THEY DONT PROPERLY HANDLE THIS, I WILL GATHER ALL MY INFORMATION OF DATA THEY SENT TO ME TELLING ME FALSE NARRATIVES AND I WILL FILE AND SEEK A CIVIL SUIT AND FILE LITIGATION.
Consumer complaint received 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, is the only address deliverable to me by mail. All others addresses are incorrect. please remove all other addresses.
Consumer complaint received 2023-10-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCredit, Inc. (MS)

Today I received a collection notice from First Credit Inc regarding a medical bill that the Va is suppose to pay since I am a veteran with complete medical to be paid by the va I never received a bill and was assured they would forward this bill to the va in XXXX XXXX to be paid as of todays date the amount of this bill nor a bill was ever sent to me for this amount as far as. I was aware the bill was paid by my insurance and the department of veteran affairs this bill should not have been placed in a collection due to my medical status with the va now they are demanding me to pay an amount that I do not owe nor am I responsible to pay in the amount of {$840.00}
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXX 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 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

In my credit report that is a collection account for {$300.00} under the name of XXXX XXXX. I do not own this account and It was already paid with the original creditor many years ago. Account number is XXXX with XX/XX/2016 as account date.
Consumer complaint received 2024-05-13
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)

15 U.S. Code 1681b - Permissible purposes of consumer reports. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Notice to Agent is notice to principal notice to principal is notice to agent. I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. FICO and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means. Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title .15 USC 1681 ( a ) the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithms not a factor where the consumer report is concerned
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Spring Oaks Capital, LLC (MD)

SPRING OAKS CAPITAL LLC a XXXX buyer bought a debt under my name from XXXX XXXX XXXX XXXX XXXX ( XXXX ). I contested the debt and was advised that XXXX had not guaranteed the validity of the debt they sold to SPRING OAKS.

I informed SPRING OAKS on several occasions beginning at least on XX/XX/2021 that I was contesting the debt and asked them for a copy of the PURCHASE agreement under which they allegedly purchased the debt under my name. They have a law firm - XXXX XXXX based in Ohio, that they have retained to collect on the debt. I contested the debt 's validity and requested a copy of the agreement from the law firm as well. They have REFUSED to give me a copy of the PURCHASE agreement and have now filed a case against me. I also want to emphasize that sending me a copy of the XXXX OF SALE will not suffice as the XXXX non-validation of debt clause is according to information given to me, contained in the PURCHASE agreement. 

The address of the XXXX buyer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( C ) ( 4 ) ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers.

Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

XXXX XXXX XXXX XXXX Is flagrantly disregarding consumer protection statutes.
Consumer complaint received 2024-09-04
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. (NJ)

On XX/XX/year>, I mailed a dispute letter to TransUnion disputing the completeness and accuracy of accounts on my credit report. I recently received a response from TransUnion that was issued by them on ( date you received the letter from TransUnion ) that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that TransUnion do its job and conduct a proper investigation on the accounts I am trying to dispute.
Consumer complaint received 2023-05-04
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX. Also I am disputing these accounts XXXX XXXXXXXX, XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX am not late on these accounts I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
Consumer complaint received 2019-11-17
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: First Investors Servicing Corporation, Atlanta, GA Branch (AL)

A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XX/XX/2019 from the following companies : XXXX XXXX XXXX, First Investors Fin, XXXX XXXX XXXX, XXXX XXXX XXXX. I did not get another vehicle and would like these inquiries removed from my credit file.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have tried to correct my personal information, The consumer agency was suppose to update my personal information but when I received my consumer report it was not updated. Therefore, the information that's on file is incorrect. I would like to have my information updated. I can't get a consumer report from Equifax because I never signed up to get my report because the security questions are not mine and I informed them of that as well. I was told there is nothing they can do.
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX5 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 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I respectfully request that you conduct a thorough investigation into these discrepancies and take prompt action to correct the inaccuracies on my credit report. Furthermore, I kindly ask for written confirmation once the necessary corrections have been made.