davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-28
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)

This company has violated the USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C 1681g and 15 USC 1681 a I demanded attention from a live representative to fully investigate fraud information on my report. I relied on this company to verify complete and accurate information. I have yet to receive any documentation that I owe the company listed. Im trying to rent and was recently denied because of the damage on my report this is a defamation of my character. Im currently homeless and this company is violating the laws by reporting false and fraudulent information. Ive been disputing since XXXX asking what did the company send to prove it was me. I want the fraudulent and in accurate accounts removed immediately.
Consumer complaint received 2024-01-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY (CA)

XXXX XX/XX/2024 : I purchased a {$50.00} American Express prepaid card from XXXX in XXXX, XXXX XXXX. I then visited the XXXX website to confirm the card balance but the website just kept hanging on the page requesting the card information. I tried several times later but same result! I attempted to use my prepaid card to pay {$40.00} cellular bill but it declined! I called American Express but their customer service is an automated voice and could not get hold of a real person.
Consumer complaint received 2023-11-28
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. (DC)

On XX/XX/XXXX  unauthorized inquires was discovered on my TransUnion credit report. When I contacted the creditors Burau listed above, they said " they can't remove the inquires. And said there are no such accounts or inquires on my report.
Consumer complaint received 2023-12-01
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)

This is my several 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 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 Balance : {$20000.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XX/XX/2023 ; XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX  XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023.
Consumer complaint received 2024-01-15
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. (NJ)

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-09
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P. (NV)

company emailed me for a year and a half after I told them not to in XXXX, constant emails, back to back. The amounts are incorrect and they are reporting unverified debt in different amounts. Company that is reporting is LVNV funding but Resurgent is emailing me back to back
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 — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX and Capital One Auto Finance are reporting an account as open when it is in FACT closed and included in a bankruptcy in XX/XX/2018. I have disputed this erroneous information and it keeps coming back verified. This account is severely dragging down my credit score. I have now been turned down for multiple loans and business credit that I desperately need to survive and feed my family because of this incorrect reporting.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NorthShore Financial, L.L.C. (LA)

On my credit reports via XXXX XXXX they have ONE DEBT " Northshore Financial '' listed three times. One ( # XXXX ) as " Paid and Closed '' and two others ( # XXXX & # XXXX ) as late. That account was only one account and was also discharged in bankruptcy. That company doesnt even exist anymore so I am not sure who is reporting it.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my Consumer Reports and noticed that multiple over 30 day late payments were reported on an account of which those specific payments were not over 30 days late. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I was not over 30 days late on these payments reported for : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be.
Consumer complaint received 2023-08-16
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: SUNCOAST CREDIT UNION (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-01-22
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 hope this letter reaches you promptly. I am writing to express my concern and frustration regarding the unresolved issue of the late opening of my account with Credit Bureaus. Despite my previous attempts to address this matter, it remains unresolved, causing significant inconvenience and frustration. 

I initiated the account opening process, and as of today, my account is yet to be activated. This delay is impacting my financial planning and causing undue stress. 

Details of my account application are as follows : Expedite the process of opening my account and ensure its activation at the earliest convenience. 

Improve communication channels to keep me regularly informed about the progress made and the expected timeline for account activation. 

Given the extended delay and the inconvenience caused, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand that unforeseen circumstances may contribute to delays, but the extended nature of this situation is causing considerable distress. 

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to correct these late open accounts in my credit file : OFFICE OF THE ATTY GEN XXXX Balance : {$7800.00} ; ATTYGENERL XXXX Balance : {$8100.00}.
Consumer complaint received 2023-11-27
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. (PA)

It has come to my attention that my previously filed complaint was closed without providing a satisfactory resolution. 

-- -- -TransUnion 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 2017-11-03
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: HW Holding, Inc (TX)

I have made several attempts for this company Hunter Warfield to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact Hunter Warfield. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this from my credit report.
Consumer complaint received 2024-04-13
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. (TN)

Subject : Dispute of XXXX XXXX XXXX Account [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally dispute the inclusion of the XXXX XXXX XXXX account, identified by account number XXXX, on my credit report maintained by TransUnion. Upon reviewing my credit report, I discovered this item which inaccurately reflects my credit history. I respectfully request the immediate removal of this erroneous entry in accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. 

The XXXX XXXX XXXX account is inaccurate for the following reasons : XXXX. **Violation of the Fair Credit Reporting Act ( FCRA ) : ** According to Section 611 of the FCRA, consumers have the right to dispute any inaccurate information on their credit reports. The inclusion of this XXXX XXXX XXXX account, which I believe to be erroneous, violates my rights under this federal law. 

XXXX. **Inaccurate Reporting : ** The reporting of the XXXX XXXX XXXX account is incorrect. I have never had an auto loan with XXXX, nor have I authorized any such account. Therefore, this entry is patently false and must be rectified immediately. 

In light of the aforementioned violations and inaccuracies, I demand the immediate removal of the XXXX XXXX XXXX account [ Account Number : XXXX ] from my credit report. I also request written confirmation of the removal once the investigation is complete, as per FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).
Consumer complaint received 2023-07-28
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-05
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-07-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MO)

Scammers impersonating police called from XXXX extorting me with threats of arrest for missing jury duty. They had real officer names, locations, details about me and said it would be resolved through bail online payment system. 
They took {$6500.00} ( {$3500.00} through XXXX  XXXX XXXX XXXX ) ( {$1500.00} through XXXX, linked to XXXX  XXXX XXXX ) ( {$1500.00} through Venmo, linked to XXXX  XXXX XXXX, using Venmo ID XXXX  XXXX ) XXXX, XXXX, and Venmo have all been notified and claims filed. 
None are getting my money back presently. 

*Venmo is of particular concern because I successfully froze that {$1500.00} transaction before it went through, but then Venmo fronted the money to the scammers and is now demanding I repay them. 
Any documentation showing this XXXX XXXX is criminal, under investigation, etc would help me resolve this with Venmo. Thank you
Consumer complaint received 2023-11-27
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. (NC)

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.

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 2023-11-27
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. (AZ)

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have the right to privacy. 
XXXX XXXX. XXXX ( XXXX  ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXX XXXX XXXXXXXX ( XXXX XXXX ( XXXX ) - nothing can be furnished on my consumer report without my written consent XXXX XXXX Code XXXX - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, XXXX XXXX XXXX ( XXXX  ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. 
XXXX XXXX. XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX, XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. XXXX XXXX CODE XXXX XXXX XXXX PURPOSES OF CONSUMER REPORTS  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXXXXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. XXXX XXXX XXXX XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MTG Date of inquiry : XX/XX/XXXX Delete this account.
Consumer complaint received 2023-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2023 I deposited a third party check into the atm. Later that day an employee of Usaa called me and informed me that my check was being returned because we endorsed it incorrectly. ( They record all calls ) they said they were sending a replacement check back in a XXXX with return instructions on How to properly endorse the check. Once received i followed the instructions provided and used Usaa return paid for XXXX envelope and sent it back XX/XX/2023. After numerous calls throughout XXXX on XX/XX/2023 I was informed that they expect the check to return and after 60 days they would close my account. I waited the 60 days and on XX/XX/2023 I called asking for the closure of my account and when would my check be mailed. I was informed that they were not providing a timetable for the releasing of my funds although the treasury department has already cleared the check. I provided all identifying documentation and offered to send the actual tax return transcripts. It has now been over 100 days and I cant get the treasury to reissue the check because it has already paid the check. They said the check was altered or inflated as the reasoning behind not releasing the funds but both those false accusations can easily be disproven with the documentation I provided and still offering to provide
Consumer complaint received 2023-11-27
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. (NY)

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 names : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602A states that I have a right to privacy.

15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) 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 USC 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