davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

It is inconceivable that, in the face of irrefutable proof of fraudulent activity, your bureau continues to deny the removal of these accounts. I find it absolutely unacceptable that I should suffer the consequences of identity theft or erroneous reporting when I have diligently followed the proper procedures to rectify this situation. I was the victim & Im not sure why the FCRA is not complying with the law. This is not how victims should be treated. I am asking for justice and yet, it seems you do not give any attention and ignored our complaint. 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXXPLEASE DELETE!!!! 
I demand an immediate and thorough investigation into why these fraudulent accounts persist on my credit report, as well as an explanation for the repeated denials to remove them. It is your duty as a credit reporting agency to ensure the accuracy of the information you provide, and the presence of these fraudulent accounts contradicts the principles of fairness and accountability. 
I insist that you take prompt and decisive action to rectify this gross oversight. The burden of proof rests squarely on your shoulders, and I expect your agency to act in accordance with the Fair Credit Reporting Act ( FCRA ) to promptly correct this damaging error. The continued presence of these fraudulent accounts is not only damaging my credit score but also causing undue stress and hardship.
Consumer complaint received 2023-06-10
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Neon Newco Corporation (AZ)

XX/XX/XXXX I purchased a NetSpend debit, this was to help me purchased student Bus Pass which was subsidized by the University, I needed the Pass before the spring semester break. But the ACTIVATION of the card became problem. XXXX spring semester I purchased similar card and an account was opened with the assistance of an agent and after using the card I destroyed it, because I did not intend to keep the card. Little did I know that the account was still active without any activity after a year, the home address I used I believed was my campus housing address in college, but I still have the username and the Password. I tried activating the card but it did not go through just by filling in my name, I have a popup notice to call the customer service, and I did called and I was told that, there was a restriction on my card and the activation needed confirmation that it was me. I sound stupid, and have no sense in the request. I asked if the debit card originally has a problem and the answer was no, and if it was a new card, why was it having trouble to activate? They could not provide me with any legitimate reason. I explained that the previous card was discarded because my intention was only one time use. They are requiring my social security card and my state ID, I provided my student ID, my employment card ID, and Bank Card bearing my ID, but they are not ready to activate my card. 

I made more than 30 calls up to now, today this was my third call. If the card doesn't have any problem previously then why would it be a big deal activating the card. 
Date purchased XX/XX/XXXX, amount {$85.00}. Purchased it from XXXXXXXX XXXX XXXXXXXX store, XXXX XXXX XXXX, store location address : XXXX XXXX XXXX, phone number XXXX. I have the receipt. I don't see any trouble in activation, I since have contacted XXXX corporate office and they see why they can " activate my card. The number of days they kept the card needs interest on the amount. Ket sound more of scam. 
Thank You. 
For any further assistant please contact me through this same email address or call XXXX Thank you.
Consumer complaint received 2023-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I was trying to buy a house and I realize I have damages on my credit report! According to the 15 USC 1681 law there should not be any damages on my report! Its a defamation to my character.
Consumer complaint received 2023-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MI)

NewRez bought my loan starting on XX/XX/XXXX. My first payment to them was due on XX/XX/XXXX. I summitted my payment on XX/XX/XXXX via their mobile app. The company rejected my payment for no apparent reason as the bank account had the funds available. The bank was never charged for the amount. NewRez then added a {$20.00} NSF fee to my account. I reentered my payment on XX/XX/XXXX to be drawn from the same bank account. The payment processed without issue. I contacted NewRez to remove the NSF fee because there was no reason the first payment should have been rejected. NewRez did not remove the fee. I payed the fee on XX/XX/XXXX to avoid it going to collections. I looked up online and found a few other complaints of NewRez rejecting payments made on the App for no reason. I think my first payment was rejected due to an issue on their app and I am not responsible for it. It is possible I entered in the wrong bank info. If I by mistake entered the wrong info I should have been made aware that the bank account was not valid and not charged a NSF fee as well. The bank account this payment was from shows a record of a XXXX transfer from my other bank on XX/XX/XXXX of around {$1400.00}. It shows other bills be drawn this account in in the days that followed. I can prove the account had the required payment in it on the date the first payment should have been applied if needed.
Consumer complaint received 2024-07-08
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)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX CHILD XXXX XXXX Balance : {$6200.00} XXXX CHILD SU XXXX Balance : {$5700.00}.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

The negative items displayed in your files does not meet FCRA reporting requirements. I donot recognize how and why the negative items is reporting please delete immediately. I never received a written notice of debt validation letter from anyone. I donot recognize how any of these negative accounts are reporting on my credit report. I donot recognize the account numbers I donot recognize the account status I donot recognize the accounts high balances nor do I recognize the late payments anything negative reported does not meet the FCRA requirements. The dates, amounts and accounts differ on all three credit reporting agencies. And all three agencies report inaccurate personal information my name is XXXX XXXX I only have 1 name not 4. I reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, any other address on my credit report is inaccurate. I would like for you to delete the negative items immediately as well as the inaccurate names and addresses.
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I write to you for the last and final time with an escalating fury concerning the fraudulent accounts polluting my credit report. It is inconceivable that your organization continues to drag its feet while my financial standing hangs in the balance. This is the last opportunity for TransUnion to display a modicum of competence and urgency in resolving this matter. 

I have been patient, but your blatant disregard for the severity of this situation is beyond infuriating. These fraudulent accounts are a stain on my credit history, and I demand, without any further delay, an aggressive and immediate response from TransUnion. 

XXXX XXXX FRAUD, PLEASE DELETED This is your final opportunity to rectify this matter. Any failure to comply will leave me with no choice but to unleash the full force of consumer protection agencies, legal representation, and social media to expose the gross negligence on the part of TransUnion. 

I demand written confirmation of the aggressive deletion of these fraudulent accounts within 10 days from the date of this letter. This is not negotiable, and failure to meet this deadline will be met with the harshest consequences at my disposal. Consider this letter your last chance to redeem the tarnished reputation of TransUnion in my eyes. I anticipate a swift and aggressive resolution to this matter.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT : XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 
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
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my fourth 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, block 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
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (NC)

I received a XXXX card from my father with a check for {$2000.00} in it, the same thing he sends every year. I used the mobile banking app on XX/XX/23 to deposit it in my Suntrust ( Truist ) checking account which I have had for at least 30 years with no history of any issues. Almost immediately after submitting the deposit, I received an email informing me that Truist put a 14 day hold on it. The email indicated that the hold was placed because of " confidential '' information indicating that the check would be returned. I contacted Truist customer service who informed me that they couldn't do anything and that only a branch manager could remove the hold and that I should go to my nearest branch. I drove an hour to my nearest branch and they said they couldn't do anything. I called customer service who repeated that they couldn't do anything and only a branch manager could remove the hold. The next morning I received another email from Truist indicating that a 14 day hold was actually put on the deposit because there was contradictory information on the check. I again took the check to the closest branch ( XXXX, NC ) who looked at the check and took down the information. They said there was nothing wrong with the check but they couldn't do anything because I didn't make the deposit there. I again called Truist customer service who said they couldn't do anything. So here I sit with my XXXX money confiscated by Truist for 2 weeks for no good reason, no way to appeal or reverse the decision, and not one person in this Company who appears to care. Truist gave 2 different but unrelated reasons for the hold. That alone should be enough to call the hold into question. Additionally, you get no warning before submitting the deposit that they are going to seize it and once you do, it is too late. You are at their mercy. Either there algorithms are faulty or they are intentionally holding people 's money to make money for themselves. Either way, there should be process to review and override these actions. As it is I will be story telling for years about how Truist stole my XXXX money. I've already closed one account on XX/XX/23 as a result of their actions. I'll closed the other one just as soon as they release my {$2000.00}. That you. XXXX
Consumer complaint received 2024-06-28
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. (VA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX CT, XXXX, VA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, VA, XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXX, VA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXisted below are the Collections that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my OTHER 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 inaccurate addresses 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 inaccurate addresses XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ca XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 

1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

4. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accountsXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. You are in VIOLATION of the 15 US. Code 51692e- False or misleading representation. 
XXXX Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. 15 U.S. Code 1681o Civil liability for negligent noncompliance XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this.

30 days should be enough time to get back with me. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX  on XXXX, XXXX under the account number ( private ), an credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/year> under the account number ( private ), a Credit Card account opened at XXXX XXXX on XXXX XXXX under the account number ( private ), and a credit card account opened at XXXX XXXX  on XX/XX/year> with a balance of $ ( private ) and a credit card account with XXXX XXXX XXXX opened XX/XX/year> under the account number ( private ). These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

15 usc 1681 permissible use -never gave permission to furnish my credit report 1666b Timing of payments - Can not report a late payment on a open end Credit Account Section 602 States I have the right to privacy 15 usc 6802 obligations with respect to disclosure of personal information ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 usc 6803 Disclosure of institution privacy -At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title