davidheineman/consumer-finance-complaints-large huggingface dataset:
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. (TX)

On XX/XX/XXXX I disputed a late payment with the for-profit Consumer Reporting XXXX XXXX and TRANSUNION for their inaccurate reporting and violation of my consumer rights for the trade lines XXXX XXXX XXXX XXXX XXXX for the amount of XXXX highest balance [ XXXX XXXX  ] and XXXX XXXX XXXX highest balance [ XXXX XXXX XXXX I also disputed the alleged debt and asked for Validation of the debt from DRIVEWAY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX has thus far refused to send me proof by written correspondence of validation but instead ignored my request all together and XXXX XXXX has not responded at all in over a month. 
XXXX and TRANSUNION I believe are willfully refusing to follow the law for late payments Per 15 USC 1666b-timing of payments, 15 USC 1681i , and 15 USC 1681e as the trade lines in question was acquired with a credit card per 15 USC 1602 ( l ). This violation of my consumer rights is injurious to me and in conflict with 15 USC 1681. I believe this is proof of willful negligence per 15 USC 1681n. Furthermore, I decided to opt out of XXXX and TRANSUNION reporting information on my consumer report without my written consent per 15 USC 1681b Permissible Purpose due to them violating my rights and injuring my credit worthiness with inaccurate reporting. After continued violation of my consumer rights by XXXX and TRANSUNION and seeing how the inaccurate reporting injured my credit worthiness on my consumer credit report to I felt forced to make a decision to opt out of XXXX and TRANSUNION reporting any information at all on the trade lines mentioned above per 16 CFR 313.7 ( f ) Continuing right to opt out, in hopes of resolving the issue in whole. XXXX and TRANSUNION willfully ignored my requests and still continued to violate my consumer rights and operate XXXX XXXX. 
I also included this correspondence below in my dispute. 
Per the FCRA as a federally protected consumer I am now opting out of any and all authorization i the consumer may have given you written non written, verbal and nonverbal per 15 usc 6802. Per 15 USC 1681n I am entitled to {$1000.00} per violation. 
These for profit XXXX XXXX XXXX and TRANSUNION have trespassed on the provisions of the FCRA and I the consumer am injured by their willful negligence. Per 15 USC 1681s-2 these consumer reporting agencies failed to in good faith investigate my dispute fairly and impartially due to their profitable interest. This inaccurate reporting is also a violation of my privacy per the Privacy Act of XXXX. I never gave my written consent and if I unknowingly did I revoked it as stated above. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I May Presume that no proof of the alleged debt in fact exists refer to 18 USC 8.
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I wrote a {$1000.00} check to a vendor. It was fraudulently check washed. The check had egregiously been changed. The check washer forged the check out for the same amount I had originally written the check for. It went undetected for XXXX. Now Truist is telling me they are not responsible for allowing the transaction to happen because of the amount of time. The handwriting on the check is clearly not mine. I always use the memo line and on this fraudulent check it was blank. My handwriting is a clear architectural lettering and the fraudulent check was large bubbly handwriting. I feel like Truist stole from me. 
I have asked for a review of my denied claim back on XX/XX/XXXX and I just learned ( XX/XX/XXXX ) that it has also been denied. 
I filed a police report when this happened as well as a report with the USPS. I don't understand how a bank can dismiss this criminal act so easily. 
Hasn't the UCC placed regulations on forged checks? I have been with Truist for may years ( XXXX & XXXX and before ). They don't seem to value me as a client.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is XXXX XXXX and I am submitting this coomplaint with the help of the Consumer Financial Protection Bureau to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of being reported on my Credit File. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ), XXXX shall block any information in the file of a consumer that the consumer identifies as information that resulted from the fraud, not later than 4 business days after the date of receipt. Please block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Consumer complaint received 2024-05-03
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. (GA)

I have chosen to take the time to submit this complaint because I am extremely disappointed by the practices of this Consumer reporting agency. I am hoping the Consumer Financial Protection Bureau can be of assistance in helping me resolve this matter. I am aware that there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy and I am here to see that they are due. Recently multiple of my rights have been violated by this Consumer Reporting agency. I am aware of the Consumer Protection Laws that protect consumers against unfair trade and credit practices involving faulty and dangerous goods or dishonest claims or tactics by organizations. Due to this Consumer Reporting agencys incompetent and dishonest claims I have received numerous unfavorable results that have affected me and my business horribly. I expect nothing less than deletions of all the accounts listed below or I will have to escalate this to a legal matter. 

XXXX XXXX- XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- XXXX XXXX- XXXX
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

TRANSUNION REPORT NOT MADE AVAILABLE TO ME AS A RESULT OF THE XXXX XXXX BREACH I attempted to retrieve my Transunion report through annualcreditreport.com and received notice that it was unavailable. 

I then attempted to log in to the Transunion app as I have done before and the system stated my last name and social security number did not match. 

To be sure I did not type anything in error I repeated and attempted to login three more times without success. The feature that allows for resetting my login credentials also did not allow me to move forward. I am a victim of Identity theft as a result of the XXXX XXXX BREACH
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. (AR)

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 XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In XXXX of 2023 I received a late charge of {$41.00} on my statement but did not notice this until the next statement as Citi card stopped sending me written statements which I had previously asked for. In noticing this I went ahead and paid off {$3900.00} which was the at that time full amount due on this card. I thought my card was then at a balance of XXXX then unfortunately there was an auto charge of {$4.00} placed on this card. Although I had asked them I again was not provided written statements and though I noted around the time the Citibank XXXX was due by the time I would go online and notice this charge I had another {$41.00} late fee bringing my account balance up due to late fees but not due to use on the card. This continued to occur for XXXX more months and I did not know this until receiving an e-mail notification finally that {$170.00} was due on this card. I again paid this off in full but I'm not understanding why they are charging interest on late fees which is basically a circle of late fees therefore charging interest therefore I can't seem to pay off the credit card in time period this is all from a {$4.00} charge. This has now severely affected my XXXX XXXX and affected my ability to buy a home. I don't even care about getting the money from the late fees back but I have significant frustration that they reported my card over {$4.00} and kept putting more late fees on my card to put me in a horrible circle. I will attach credit statements if needed to back all of this up. At this time my account is closed as per my request so that this stops occurring and they have an outside balance of owing me {$41.00} which they stated they would only send me if I had asked for it but did not offer this to me. As I also think that this is a possible illegal practice. Please assist me in figuring out how to get my credit report improved. I am awaiting hearing back from their credit dispute department but was denied being able to talk to them directly and they have yet to respond to me.
Consumer complaint received 2024-08-05
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. (KS)

This is purely identity theft. I do not recognize this account. It is damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX XXXX an upstanding citizen of XXXX, XXXX being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX The current amount owed on the account. 
{$0.00} Balance updated Date the creditor last reported information about the account balance. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Date opened Indicates the date an account was opened. 
XXXX XXXX, XXXX Account type Closed. {$5200.00} written off. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number XXXX - 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE XXXX LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
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. (IL)

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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX 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 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX XXXX an upstanding citizen of XXXX, XXXX being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day ACCOUNT NAME : XXXX XXXX XXXX. 
ACCOUNT NUMBER : XXXX The current amount owed on the account. 
{$0.00} XXXX updated Date the creditor last reported information about the account balance. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Date opened Indicates the date an account was opened. 
XXXX XXXX, XXXX Account type Closed. {$5200.00} written off. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX The original amount owed on the account. 
{$5200.00} Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number XXXX - XXXX XXXX XXXX XXXX ( B ) & 15 USC 1681 1 ( 5 ) THESE XXXX LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE THAT CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED
Consumer complaint received 2024-04-22
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (CA)

I had been paying the Self inc XXXX $ every month for over a year and I noticed my credit card never seemed to reduce. Looking back at the statements I realized it was practically all going to interest as shown below ou may have to pay a late fee of up to {$15.00}. 
Minimum payment warning If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example : If you make no additional charges using this card and each month you pay... 
You will pay off the balance shown on this statement in about... 
And you will end up paying an estimated total of... 
Only the minimum payment 4 years {$1300.00} {$32.00} 3 years {$1100.00} ( {$160.00} savings ) If you would like information about credit counseling services, call XXXX. 
Account notifications Account summary Previous balance {$780.00} Payments $ XXXX Credits & adjustments {$0.00} Purchases {$0.00} Fees charged {$0.00} Interest charged {$17.00} New balance {$770.00} Statement closing date XX/XX/year> Days in billing cycle XXXX Past due amount {$0.00} Expedited payment fees {$0.00} Credit details Credit limit {$820.00} Available credit {$46.00} XXXX XXXX XXXX XXXX amount {$650.00} So I closed it and I still owe 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. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
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. (WA)

After reviewing my TransUnion, XXXX and XXXX credit reports again, I have identified some inaccurate late payments that needs reporting and correction through your company. These late payments are illegal. This is a violation of the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ). Please see the attached file.
Consumer complaint received 2022-12-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company violated my rights per the XXXX XXXX XXXX XXXX 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952. 

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX Balance details XXXX XXXX paid off Balance {$120.00} Balance updated XX/XX/XXXX Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department