davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-28
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. (TN)

In accordance to the Fair Credit Reporting Act Fifth third bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Consumer complaint received 2024-04-28
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. (TN)

In accordance to the Fair Credit Reporting Act XXXX bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Consumer complaint received 2024-01-06
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)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$560.00}
Consumer complaint received 2024-07-10
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV INC. (CA)

Im reaching out ( XXXX ) as an XXXX XXXX of the ongoing fraud affecting an alarming number of Californians receiving unemployment benefits in desperate hope you can assist with my case ( 2 ) in effort to inform the public of the egregious scale of fraud that has occurred since CA EDD began issuing payments through Money Network. 


On XX/XX/XXXX, I discovered my Money Network EDD account had been drained with {$2500.00} being fraudulently transferred to a bank I was unfamiliar with. Upon research, I discovered that this exact scenario has happened to Money Network EDD card users across the state. 



Hundreds of users of the online EDD help forum ( r/EDD ) reported having their Money Network accounts drained of figures anywhere between $ XXXX {$12000.00}. All of these occurrences happened in XXXX following the transition of EDD payments from XXXX XXXX XXXXXXXX to Money Network XXXX XX/XX/XXXX ). 


Upon further research, I discovered that the routing number associated with my fraudulent transfer matches a XXXXXXXX XXXX bank that other victims have reported their money being sent to. Screenshots are attached to this email. 



This breach of security is terrible, but especially heinous given the vulnerable nature of those dependent on EDD funds. 



Despite submitting my dispute form to Money Network and following-up via phone, I have yet to have my money returned. I believe Money Network is attempting to slow roll the process by instructing customers to wait to receive the needed dispute form ( and return ) via mail despite the form and instructions on how to submit via email being available online. 


When I call to follow up, they've refused to provide information due to " failure to verify my identity. '' However, the verification question asked was " can you give details on a recent large transaction ( what, when, to whom ) posted to your account? '' The only large transaction was the fraudulent one I was disputing and could provide all details except who the money was sent to ( because it was fraud ). It was on this basis " my identity could not be verified '' and no information could be provided. 


I should also note I had already gone through verification steps ( SSN, DOB, PIN, Name, Email, Address ) *twice* both with the initial phone recording and the live agent. The verification question asked above was a third *additional* step. 


I can not receive any upcoming payments from EDD as my Money Network account is compromised. With no income from work, unemployment, or any other sources, I am desperately hoping that your team can assist in resolving my case and that of so many other affected Californians.
Consumer complaint received 2024-04-28
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. (TN)

In accordance to the Fair Credit Reporting Act XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Consumer complaint received 2024-01-06
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. (GA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XX/XX/2023.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX  Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX   Account XXXX
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.
Consumer complaint received 2024-01-05
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. (VA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with 15 USC 1681, XXXX is not allowed to report any of my transactional history. XXXX did not respect my privacy per 15 US code 6801, per 15 US code 6802 I was supposed to receive an opportunity for non-disclosure/ opting out but I never have. I am also disputing the accuracy across all three Credit Bureaus per 15 USC 1681, dates on my reports are all different. Also per 15 USC 1681a late payments are illegal.
Consumer complaint received 2024-01-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NC)

Last month I discovered that Synchrony/Amazon charged off an account for {$370.00}. The account number ending in XXXX. The last record I showed paying them {$130.00} in XX/XX/XXXXXXXX XXXX Apparently there was a balance remaining of {$67.00}. The last statement they provided me was for the billing cycle from XXXX. Since then, Synchrony/Amazon did not send any monthly statements nor any late notices nor demand letters letting me know the account was past due and that they were planning to charge it off. They simply charged it off affecting my credit negatively. I contacted them directly and they could not provide me with any additional information. I was referred to a collection agency. I contacted the collection agency and 18 days later ( today XX/XX/XXXXXXXX  ) I received the statements and I'm disputing the accumulated late fees and interest on the late fees totaling {$370.00}. As I look through the statements provided today, they have been charging a {$40.00} Late Fee and Interest on the balance of which includes late charges since XX/XX/XXXX at the rate of 29.99 %. On the statements provided today, it shows a very misleading and erroneous description of " INTEREST CHARGES ON PURCHASES '' for every month since the problem began. This company is a predator and they don't care about the consumer one bit. They are happy collecting late charges without providing the consumer due process to rectify an oversight on my part by not paying the balance in full. Instead, they simply charge it off and refuse to deal with the consumer past that point. If you look at the history on this account, you'll see that for a period of two years or so, I paid the balance in full every month.
Consumer complaint received 2023-08-14
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. (MA)

On my TransUnion credit report theres a collection from XXXX XXXX XXXX for the amount $ Ive contacted this collector multiple times and they keep saying they dont see any debt. 
On my credit report by TransUnion the only available information of this debt is the phone number but there no name of the collector. Every time I call trans union their response is we only report the data I log into all my credit monitoring accounts and on my trans union its all the same an amount owed, but theres no name under collector, where it say company name it simply says collection Ive called the number listed at XXXX times gave my name an social but they can never find this debt. Trans union isnt verified information and listing it properly.
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

The Creditor XXXX XXXX XXXX is not licensed to collect a debt in the state of Louisiana per the nmls consumer access they are not the collector of a debt that start with XXXX XXXX XXXX the moved to XXXX XXXX XXXX then moved to this office but XXXX XXXX XXXX is reporting negative collections on my credit report when I call number listed on XXXX XXXX XXXX XXXX states they no longer have my file and they can not access my records and I need to call the law office of XXXX XXXX XXXX XXXX. So if this law office has my file how are you legally reporting information to XXXX and TransUnion and how is TransUnion and XXXX verifying a debt that is no longer being reported to your office how was this debt for national credit verified and validated if another collection agency has the same account after reading so many complaints about this law office and national credit system I dont understand how an full investigation on their collection tactics and bad business practices by XXXX XXXXXXXX XXXX and the reporting agencies such as XXXX and TransUnion have be investigated for failure to comply with the FCRA requirements and laws Might I added supporting stated a balance of XXXX when I began to dispute the balance as Inaccurate and incomplete which is violation of 15 usc 1681 questioning why is XXXX they sent a document with added a fee on XX/XX/2022 of XXXX as a collection fee. I also spoke to XXXX XXXX XXXX contact XXXX at XXXX XXXX of XXXX XXXX XXXX pc she supplied me with his email bc she was also confused as where the additional XXXX was added from I sent multiple emails on my concerns and there was no response i later called back and she was very unconcerned and ready to Release the calls when I pointed out the violation of the FCRA laws bc it was time for them To leave for XXXX  Day weekend instead of attempting to Right what has been done wrong to my rights to a fair and complete and accurate credit report Per the XXXX consumer access website
Consumer complaint received 2024-01-05
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. (WI)

I was robbed XX/XX/2023. My wallet and SSN was stolen and {$140.00} in cash. Someone try to open an account with XXXX XXXX XXXXXXXX XX/XX/2023 ( Transunion ) and with XXXX XXXX XXXX ( Transunion ) XX/XX/2023. I do not recognize any of these hard inquiries. I have made a police report which I will attach to this file. Other issues were resolved except the 2 hard inquiries. ( Transunion ) It look like they tried to open an account. I now have notifications set up.
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-06-12
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. (PA)

There is inquires on my credit report that I have no knowledge of and I did not provide them with my information.

Here are the names & dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I recently reviewed my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed that my personal information is not currently matching up with my I dentification. I would like to get my address corrected and update the city. I have included documents below.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

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 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

On XX/XX/23 I made a purchase from XXXX online, and realized it was a fraudulent site. I immediately called Barclays customer service to report the fraud and stop payment. I even received an email from them notifying me that it was fraudulent. They informed me that they could not stop payment or process it as fraud until the merchant was given two weeks to send the item. They cancelled my card and issued me a new card as well. After two weeks, I called Barclays customer service and notified them that the item had not been sent, despite my attempts to reach out to merchant. They said that they would process a claim. Several weeks went by and I did not receive any update. I then called back, and was told no claim had been processed, and resubmitted a request to dispute the claim. I then received a letter saying that my claim was denied " because they were not provided with the true nature of the dispute prior to the charge being disputed. '' When I called today, XX/XX/23, to inquire what that exactly meant, I was told that they could not help me resolve the issue because the claim had been closed, and that I would have to write and send them a letter requesting that they reopen the claim.
Consumer complaint received 2024-01-04
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
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. (MD)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX party involved. Please review the uploaded letters.
Consumer complaint received 2023-04-18
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: Experian Information Solutions Inc. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.