davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the accuracy of information on my credit report under the Fair Credit Reporting Act ( FCRA ), referencing 15 USC 1681 EB. Despite a previous reinvestigation, the disputed items remain unresolved. 

I request another thorough review of the items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I urge compliance with FCRA regulations and prompt removal or correction of any inaccuracies found. Enclosed are documents supporting my claims. 

Please acknowledge receipt of this letter and inform me of the next steps. Your swift attention to this matter is appreciated.
Consumer complaint received 2024-05-03
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Consumer complaint received 2023-06-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/2023, I deposited a check to my USAA checking account via the USAA Mobile app. The amount of the check deposited was {$5000.00}. USAA placed a funds hold on {$2500.00} of the deposited check to be released on XX/XX/2023. On XX/XX/2023 the check cleared the external financial institution and funds were transferred to USAA via the Federal Reserve Bank. 

I called USAA to inquire why my funds were still on hold. I explained to the USAA representative that the external financial institution cleared the check on XX/XX/2023 and that USAA can call and verify this information with that financial institution. I also explained to the USAA representative that the funds USAA was holding without justification were gong to be used to pay my USAA credit card balance which was being charged interest compounded daily while I was waiting for USAA to release the funds that have already cleared. USAA is unjustly holding funds that have cleared my account causing me hardship and a unfair accumulation of interest on my USAA credit card.
Consumer complaint received 2023-12-06
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: CLGF Holdco 1, LLC (OR)

I was XXXX from XXXX XXXX XXXX XXXX XXXX XXXX  while I was locked up someone stole my wallet and used up all my credit cards. I have told the credit card companies as well as XXXX and they refuse to remove the negative reports in my account. This was fraudulent activity which I had no knowledge of until after I was released from XXXX
Consumer complaint received 2024-05-03
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. (NY)

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-05-03
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. (GA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2024-05-03
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 recently 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 complete understanding that Transunion will investigate this account for me to ensure accuracy, Here 's the account I am asking you to FULLY verify as accurate : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (TN)

As a victim of the large XXXX breech, it has taken me nearly 3 years to remove items from my reports. I have 2 accounts and a few inquiries that are being defiant. Please assist me in removing the remaining accounts.
Consumer complaint received 2024-05-03
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc. (PA)

I asked this company for a investigation in that matter someone order this card of the internet and used it using my identity. I asked for a sign contract so I can compare my signature on my license to prove It wasn't me that acquired this account. I have sent certified legal documents requesting this information have yet to here anything back.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2024-05-03
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. (GA)

Someone has access to my personal information and has tried to open several loans in my name! Majority of the inquiries are shown to have taken place of XXXX. There are also hard inquires that I do not recognize prior to XX/XX/year>. I have listed all inquiries on my identity theft report. I have not applied for any type of loan nor tried to purchase any vehicle anywhere nor do I need another vehicle at the moment. I am needing the inquiries removed as they do not belong to me and have affected my credit score tremendously. I have filed an identity theft report as advised to do so and I will be adding a security freeze and fraud alert to my credit file.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was notified that i could refinance my car through Capital One. To check my rates would not hurt my credit. I was approved and then it did a hrd credit inquiry. I can not get through to anyone to finish the process. I filed a complaint and they said multiple things. They sent me an email and said i could upload the documents. And I had unril lte XXXX early XXXX. I can not uoad now and I can not get through to anyone. Capital One is giving me the runaround.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is inaccuracy reporting on my Credit report, it shows XXXX missed payments for XXXX XXXX XXXX XXXX, XXXX Missed payments XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX, XXXX Missed XXXX XXXX XXXX XXXX. 

I also looked at my accounts and seen accounts that was closed that I never had. These accounts were : XXXX XXXX XXXX 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 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MN)

On XX/XX/23 I while checking out from deltas website to buy a ticket I was presented an offer to sign up for an Amex Delta Sky credit card with a promotional offer of {$300.00} in stmt credit once a purchase is made, I proceed with application submitted and got no respond or an email with an answer, Im the pre application disclosure it states if approved I would received an instant XXXX credit to XXXX XXXX purchase instantly I never received it and I was approved install with a credit line of XXXX when contacted Amex they stated it was Deltas issue for advertising that way and they couldnt issue me the temp credit so I could use, if I would had know that I wasnt able to use the card to purchase that ticket I would had not applied as I had a different method of payment for this I only applied because of the offer that was made to me at checkout neither company delta or Amex wants to take ownership for this issue even when it clearly stated on the disclosure before applying I have a screenshot of this it clearly explain what are the terms to get the promotion I followed the steps and did not received the temporary credit so I could purchase the ticket now forcing me to go and spend more with delta in order the get the XXXX XXXX credit I spent over 3 hours on the phone trying to sort this out with sell delta and Amex. Also American Express never sent me an email to state wether my card got approved or not or any pre disclosures for me to ready when I asked they said I should had gotten one and that they didnt know why and could not re send it
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-05-03
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. (GA)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2023-12-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

The debt collector engaged in the unlawful, abusive, deceptive, and unfair practice of the FDCPA which it prohibits. They furnished this account that I don't agree with and I didn't sign an agreement or any legal contract. A contract is an agreement between two people and I did not participate in any contact with this company. They did not follow the proper process of validation, which makes these unfair practices according to FDCPA. In addition, I am entitled to $ XXXX for this violation. 

An FCRA violation refers to a violation of a federal law that regulates that collection discrimination and use of consumer discrimination and use of consumers regulation agencies follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently pulled my consumer report and saw items listed on my consumer report that I did not authorize. I sent a letter to XXXX to have the items fixed on XX/XX/year> and have not received any response. Not only do any errors or omissions negatively affect me as a customer, but they also cast doubt on the reliability and efficacy of credit reporting in general. The importance and urgency of addressing this matter are highlighted by the larger context. 

Credit reporting provides guidance for many financial decisions and paths when completed honestly and ethically. However, when tainted by errors, it turns into a maze that ensnares gullible people. My request for correction is therefore an appeal to maintain the greatest levels of precision, justice, and professionalism rather than merely a simple resolution. I look forward to hearing from you in detail. 

I'm challenging inaccurate personal information listed below. 
The information about my name is not reported accurately. 
My current address is not listed accurately.