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

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.

has violated my rights. Or 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 2024-01-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to address the presence of fraudulent accounts on my credit report, confirmed through an identity theft report. I have spoken with the associated banks, and they have acknowledged the validity of the identity theft report. Over the phone, they assured me of the immediate removal of the fraudulent accounts. 
Affected Accounts : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-19
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. (CA)

I paid my account balance with XXXX XXXX in full to {$0.00} on XX/XX/XXXX. However, XXXX XXXX has not reported my correct account status as paid in full with a {$0.00} balance to Transunion and XXXX. I have made several contact phone attempts with XXXX and requested this is resolved. I have also submitted multiple disputes with both Transunion and XXXX. I even provided proof of payment in full to {$0.00} to both Transunion and XXXX, but both Transunion and XXXX are not honoring my proof of payment for some illegally reason and responding to my disputes as, " account verified '', despite the paid in full promissory note and settled in full email I received from XXXXXXXX XXXX regarding payment of {$3000.00} and made on XX/XX/XXXX. Specifically the 1st page of the promissory note at the very bottom in the middle of the page it states the account has been " paid in full XX/XX/XXXX '' with a representative from XXXX name ( XXXX XXXX XXXX ) directly under the line of the " paid in full '' stamp. 

Improper investigation done by Transunion and XXXX. 
1. ) Account Name_ XXXX XXXXXXXX Account Number : XXXX Transunion and XXXX : INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
XXXX XXXX # XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX FL XXXX, ( XXXX ) XXXX ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : UNSECURED Balance : {$3000.00} ; Wrong, should be {$0.00} Date Updated : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX Payment Received : XX/XX/XXXX ( {$95.00} ) ; Wrong, should be XX/XX/XXXX Last Payment Made : XX/XX/XXXX ; Wrong, should be XX/XX/XXXX High Balance : {$4000.00} Pay Status : Current ; Paid or Paying as Agreed ; Wrong, should be paid as agreed and closed as of XX/XX/XXXX Terms : {$75.00} per month, paid ; Wrong, should be {$95.00} per month Bi-weekly for 24 months 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 Rating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wrong ; Should be rating for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached to this complaint a copy of my Transunion dispute results ( # XXXX dated XX/XX/XXXX, the paid in full promissory note from XXXX XXXX XX/XX/XXXX, and the thank you email from XXXX that I settled the account.
Consumer complaint received 2024-04-19
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. (TX)

Despite providing comprehensive evidence and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. 

The presence of these fraudulent items not only tarnishes my reputation but also poses a serious threat to my financial stability and credibility. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. 

This recurring issue not only causes me significant stress and inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. It is unacceptable that despite multiple attempts, the fraudulent items remain unresolved, casting doubt on the reliability and accuracy of your record-keeping processes. 

I urge you to prioritize this matter with the utmost urgency and take immediate steps to remove the fraudulent items from my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX : {$700.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022.
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. (NY)

I am a victim of identity theft this account should be deleted immediately, I have attached all of the relevant information, proof of address, ID, FTC report. 
I am writing to challenge the reporting and compliance on an account with XXXX XXXX account number XXXX that is being reported on my credit report with incorrect/missing/incomplete info. 
More specifically, I am referencing the fact that you are reporting this account was closed XX/XX/XXXX but you are still reporting late payments and charged off status throughout XXXX and XXXX. 
This account was closed XX/XX/XXXX but there are XXXX on time payments being reported XXXX and XX/XX/XXXX, how is this possible if this account is closed? 
An incorrect high balance of XXXX $ on this account that is closed and charged off XX/XX/XXXX. 
XXXX shows paid on time XX/XX/XXXX but XXXX shows a 30 Day late payment? After account was closed late payment history is being reported and updated inaccurately for XXXX, XXXX, Transunion, XXXX, an inaccurate date of last activity incorrect, an inaccurate date of last update, an inaccurate reporting date ]. 
I have listed 13 different errors in your reporting, Update and correct/missing/incomplete information or if all the errors are not corrected. DELETE THIS ACCOUNT
Consumer complaint received 2024-05-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (MI)

They closed my account because of a XXXX XXXXXXXX balance only after 90 days. My royalty payments hasnt started to deposit yet. They also had no reason to close my previous business account I had with them. They closed it because I deposited a non-voided royalty check & they deducted the check the same day I deposited it after spending {$800.00}. They put my account in the- $ XXXX. Then had the nerve to send me a check for my remaining balance that I didnt spend a year & a few months later for $ XXXX. Then when I opened my second chance account Idek where the - {$19.00} charge came from, I shouldnt even be able to overdraft a second chance account. At least thats what their terms says. The whole issue with Chase is just crazy.
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION (NC)

In late XXXX, I received a bank statement that showed XXXX XXXX  of dollars in charges. These charges were from Ohio, a state that I have never lived in, nor been to, nor know anyone from. Examples of some charges would be places like XXXX, and XXXX, which I do not use. I work, and reside in North Carolina. There is no chance that the charges could have been me. As soon as I saw charges such as these, I contacted the North Carolina State Employees Credit Union, which I use. They found that the charges added up to {$11000.00}. They started an investigation, and reimbursed me the money, on " credit. '' I have not touched any of the money I have received. On XX/XX/2023 I received two letters in the mail, sent on XX/XX/2023, one stating that the credit may or may not be reversed, and another stating that they had found insufficient evidence to support a viable fraud claim, thus I assume, planning on reversing the credit, and taking the money stolen from me, out of my account, and closing my case.
Consumer complaint received 2023-05-17
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: Experian Information Solutions Inc. (VA)

Hello, My name is XXXX XXXX have tried disputing this issue with XXXX XXXX and their creditores but they said I must contact cfpb and the credit reporting coompanies. There is a collections for XXXX. XXXX XXXX. I already reported a police report. 
The account number is XXXX it says it was for {$870.00}
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. (VA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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. (GA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-19
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. (TN)

Recently, I did an an investigation on my report and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-09-12
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. (AL)

Reviewed most recent credit report and I noticed a collection/charge off that did not belong to me. After reaching out to the creditors, I was advised to contact the XXXX to have the collection/charge off disputed and investigated as they do not have the ability to do so. After contacting the XXXX I was meant with push-back even though I expressed the collection/charge off in questions did not belong to me. 

Under code 15 USC 1692g, 15 USC 1681C-2 & 15 USC 1681S-2 this is a clear violation of inaccurate reporting. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and ability to obtain new credit to purchase a home
Consumer complaint received 2023-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.
Consumer complaint received 2024-10-21
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. (TX)

XXXX  XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> RESIDENT VERIFY XX/XX/year> 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. XXXX XXXX XXXX  5/23/2024 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 2024-04-18
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)

XXXX XXXX XXXX AMOUNT {$2900.00} DATE OPENED XX/XX/2018 XXXX XXXX XXXX AMOUNT {$1400.00} DATE OPENED XX/XX/2018 I contacted this company but they did not respond and wrote a letter again no respond.
Consumer complaint received 2024-10-21
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. (LA)

Subject : Request for Removal of Fraudulent Account Dear [ Credit Bureau ] and XXXX XXXX  I am writing to dispute a fraudulent account on my credit report. The account [ Account XXXX XXXX ] does not belong to me, and I believe it is the result of identity theft. 

Please investigate this matter and remove the fraudulent account from my credit report IMMEDIATELY. I have attached copies of my identification and any relevant documents for your review. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-21
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)

I send a written letter we the laws that protect my consumer right to the XXXX credits bureau on XX/XX/year> of XXXX hard inquiries that was done to my credit report fraudulent it without my permission I want this inquiry to been removed from my credit as soon as possible
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I examined my personal consumer report that I purchased from your company, and I'm writing to you to let you know that my social security number have been compromised. I've experienced identity theft. I filed a complaint with the Federal Trade Commission, and it is attached # DELETE UNAUTHORIZED INQURIES XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- - XXXXXXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- - XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- -- XXXX XXXX XXXX XXXX XXXX -- -- -- -- -
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX XXXX, XX/XX/year>, 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 Personal Information - **Incorrect Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ** XXXX XXXX XXXX XXXX XXXXIncorrect Previous Address : ** XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - XXXXIncorrect Previous Address : ** XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Current Address : ** XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX **Incorrect Date of Birth : ** XX/XX/year> Collections - **XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-07
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. (FL)

The above accounts have violated my rights according to 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 an 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. 

XXXX XXXX XXXX paid after charge off yet the current status shoes " collections and charge off '' That is inaccurate. It is not in collections and paid in full. 
XXXX XXXX XXXX was as a result of fraud and not mine.