davidheineman/consumer-finance-complaints-large huggingface dataset:
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)

I am reaching out and filing this complaint to TRANSUNION to address a concerning matter regarding my credit report, and I appreciate your attention to this issue. 
Recently, I discovered fraudulent accounts on my credit report, prompting me to file an FTC report with the identity theft report number XXXX. Despite taking this action, upon reviewing my credit report, I noticed that these fraudulent accounts continue to be reflected. As a consumer, I place a high level of trust in TRANSUNION to safeguard my personal information and furnish accurate credit reports. Unfortunately, I have observed multiple inaccuracies on my credit report, including discrepancies in balances, dates of late payments, payment status, date of last payment, and violations under FCRA policy. To facilitate the resolution of this matter, I have attached the FTC report, along with a copy of my driver 's license and proof of address. I believe that by working together, we can rectify these inaccuracies and ensure the integrity of my credit profile.
Consumer complaint received 2023-09-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

This company LVNV, Resurgent still continues to report on my credit by continuing to violate my consumer report. I have now filed a police report and ftc report and attorney general report. Your companies continue to pass my consumer report amongst each other extorting my credit causing harm against me without proof of any kind. Be advised pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g you failed to provide validation. Now I am sending you a cease and desist next will be legal actions. You have been reporting invalidated information to my credit bureaus ( XXXX, XXXX, or XXXX ) this action now constitute fraud under both Federal and State laws. Due to this fact if any negative mark is found on my credit reports upon receipt of receiving this notice. Any company you represent, any attorney that represents you or the companies that are attach to you or that represents you. I will not hesitate in bringing legal action against you or any parties. Let me remind you, you have been also in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Cease and Desist of reporting anything on my consumer report. Also from selling my signature or any information of mines to any other companies, Any fake Attorneys or any other companies that are tied to you.
Consumer complaint received 2024-04-14
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. (IL)

After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

They call me XXXX XXXX XXXX  this is not my name they keep asking me on a recorded line to say I'm XXXX XXXX. Then they've asked me to pay back over XXXX to a student federal loan
Consumer complaint received 2023-09-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (PA)

I funded a secured credit card in the amount of {$5000.00}, with an initial deposit to Elan Financial. The card was closed by Elan Finacial and my deposit was never refunded to me. At the time the account was closed, it had a balance of approximately {$410.00}. The remaining available credit {$4500.00}, which should have been refunded to myself has not been sent. After multiple correspondence to Elan Financial, they have refused to send my initial deposit back.
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. (CA)

I received your stall letter regarding the investigation of my previous dispute, and I cant help but feel extremely frustrated and annoyed. Seriously, how much longer are you going to drag this out? I submitted a dispute XXXX to challenge information on my credit report. According to the Fair Credit Reporting Act ( FCRA ) -15 U.S. Code 1681i ( a6 ) & 15 U.S. Code 1681i ( a7 ), you're supposed to investigate and respond promptly. But all I got was a generic stall letter with no real updates or progress. What gives? 
Ive done some research and found a CFPB report that specified youre using automated methods to send automatic stall letters to consumers in hopes that they will use your online systems for disputing. There is no law saying I cant leverage todays available technology to help me analyze, create and send disputes to you. I have attached proof of the letter that was sent to me, and all items that were disputed on my previous letter sent to Transunion Credit Bureau
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. (MI)

I am writing to follow up on my previous communication XX/XX/XXXX ], regarding the inaccuracies in reporting on my XXXX XXXX XXXX XXXX account # XXXX, specifically the late payments for the months of XXXX, XXXX, & XXXX of XXXX. 

Given the gravity of the situation and the potential violations of the Fair Credit Reporting Act ( FCRA ), I must reiterate the urgency of this matter. The FCRA, as outlined in 15 USC 1681i ( a ) ( 1 ) ( A ), mandates that an investigation into disputed information must be conducted within 30 days of receipt of the dispute. I anticipate your prompt attention to this matter to ensure compliance with the statutory requirements.
Consumer complaint received 2023-11-27
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a TransUnion dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  online and thru a TransUnion customer service representative on XX/XX/2023. When I followed up about my dispute in XX/XX/2023 via phone and via the TransUnion website, I did not receive any information about the dispute. The representatives said the dispute did not exist, and the website gave me an error message stating " no access ... ''. The representative later said the account was updated by the merchant. I asked them about the status of the dispute and whether the merchant responded to my dispute. The representative attempted to confuse me by using the terms 'update ' and 'response ' interchangeably although the two terms differ in meaning. One representative told me that due to the merchant disagreeing with the dispute, the error or problem will remain on my credit report. That representative also told me that TransUnion does not conduct investigations. Other representatives did not see a dispute in the system at all. I called TransUnion on several different days in XX/XX/2023, and several representatives began letting the call continue in silence or unresponsiveness. I am unable to view and track my dispute in written form. I am unable to view and track my dispute in any other form.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2023-06-08
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. (AR)

I found out that the accounts on my credit report are 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$30000.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-06-08
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: Experian Information Solutions Inc. (SC)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which were 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 Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2200.00}, XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXXXXXX Balance : {$10000.00}, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-27
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)

I am writing to express my deep frustration and disappointment with the continued presence of inaccuracies on my credit file, despite multiple attempts to rectify the situation. The persistence of these inaccuracies is not only affecting my creditworthiness but is also hindering my financial opportunities. I urgently seek your assistance in resolving this matter. 
Despite my persistent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is critical, as it is impacting my financial stability and credit opportunities. 

I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track removal of the inaccuracies from my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I emphasize the urgency of this matter and the significant impact it has on my financial well-being. As a consumer, I rely on the accuracy of my credit file, and it is crucial that these inaccuracies are promptly and definitively addressed. I am asking for your assistance to remove these fraudulent items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (OH)

Ill check my credit report and noticed some hard inquiries on my credit report I didnt approve XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts are inaccurate and unverified. 

XXXX ) JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX, XXXX # XXXX These inaccurate accounts are doing damage to my financial well-being, and I would like them removed from my credit report
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. (AZ)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-27
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control.
Consumer complaint received 2023-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MI)

I have been having issues with my PayPal credit account with synchrony bank. I have a {$0.00} balance on it, and they keep locking my account and saying something is suspicious on my account. I'm not sure what's suspicious about a {$0.00} balance. I was sent 2 letters on 2 different occasions in the last 2 months that they've locked my account. The letter has the incorrect phone number. I've told them twice, and they do not seem to care. Every time they are not interested in hearing that my account keeps getting locked, they act like I should be happy that it was unlocked. Only to be locked again a few weeks later. I have called them on XX/XX/ and also
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. (TX)

I am writing to express my deep concern and frustration regarding the ongoing inaccuracies on my credit file, despite multiple attempts to correct them. The persistence of these inaccuracies has had a detrimental impact on my financial standing, and I urgently seek your assistance in rectifying this matter. 

Despite my diligent efforts and adherence to the dispute procedures, the inaccuracies persist on my credit file. This situation is urgent, as it is adversely affecting my ability to secure credit and financial opportunities. 

I kindly request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. 
Fast-track correction of the inaccuracies on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter urgently. 
Attached, please find copies of the supporting documentation for your reference during the expedited investigation. 

I understand the importance of accurate credit reporting and the need for a swift resolution to prevent further damage to my financial standing. As a consumer, I rely on the integrity of my credit file, and it is crucial that these inaccuracies are promptly corrected. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX  Wells Fargo contacted me by phone informing me that my debit card has been closed, a phone contact in Wells Fargo they informed me that they could not give me a reason why the debit card had been closed so I can no longer use my debit card with Wells Fargo and I no longer have a bank account with Wells Fargo, Wells Fargo customer service to appeal this decision Wells Fargo refuses to answer any of my questions or concerns Regarding why the bank shut my debit card usage down and my account usage was closed resulting and me having no access to my money in the bank
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: U.S. BANCORP (AZ)

I opened a business account with USBANK. Upon opening I was unable to access my online banking. After 3 or 4 phonically into their service center I was granted access. I immediately transferred {$4000.00} from my personal account to avoid fees associated with USBANK low balance policies. 

After another week of work I attempted to go into a local branch and close my account due to negligence on their part. They refused and declined to acknowledge my money was transferred, even though. have the confirmation email saying it was complete. 

I still have no access to the account and they are holding any monies I transferred. IF I don't get my money back soon, My XXXX credit score will be affected. In that time I will hire a lawyer and sue USBANK. 

I just wanted to do business and they literally prevented that. I now have an account with a competetor without issue. I need my money back to avoid fees there. USBANK does not return my calls nor do they offer any help in the branch locations. I'm tired of the run around and want my cash. I will keep filing complaints weekly until this is resolved. 

It's an emergency situation for me financially, and USBANK is playing games. 

I also dont appreciate them selling me a credit card while opening the account. This bank is a bully.