davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
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)

THE CANCELLED XXXX XXXX WAS SWEPT INTO AND SOLD OFF TO A THIRD PARTY COLLECTOR. THIS DISPUTED OBLIGATION WAS PAID OFF IN XXXX XXXX XXXX 

I HAVE TRIED SEVERAL TIMES SINCE XXXX AND TWICE IN THE MONTH OF XXXX TO HAVE THIS DISPUTED DEBT UPDATED TO PAID IN FULL. 

BANK STATEMENT SHOWS THE PAYMENT AND THE THIRD PARTY CREDITOR RECEIPT, NO RESPONSE FROM XXXX OR TRANSUNION. THE DISPUTED LOAN HAS A XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I requested my information and I have yet to receive anything. 

Please have this company upload the following documentation. 

Last XXXX  months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E. allocation of payment.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing discrepancies from what XXXX is providing me. These errors are misleading and affecting me. I depend on my credit and because of this false reporting I am getting denied by banks. This account needs to be deleted.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX  {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$440.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1700.00} XX/XX/XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX, Dear XXXX I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : AUTO/VEHICLE Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-22
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: EQUIFAX, INC. (CA)

I Sent my letter off on XX/XX/2023. I told the credit bureaus to 'investiage ' every piece of information ' on the accounts I have listed below. Also i have attached the letter I sent out and here is the Tracking #. XXXX XXXX XXXX XXXX XXXX According to the FRCA The " investigative '' consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, reputation, personal characteristic, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 




They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these account are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed attached in document
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

Resurgent/XXXX  XXXX  keeps sending a bill in which is over 7 years with wording stating if I pay I'm agreeing to reinstate the date of statue of limitations which is not a valid date I keep getting letters one after another from the same company reworded or some kind of trick to reinstate the debt in which they have different dates or change. the debt is not valid.
Consumer complaint received 2023-10-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Receivables of NC Inc. (SC)

Received notification of XXXX owed to XXXX XXXX XXXX. Contacted collection agency via email and stated debt was not mine and requested validation. XX/XX/XXXX  I received a letter in the mail that was supposed to be the debt validation. The paperwork sent has the date the account was opened and the amount owed. The signature on the contract is not mine nor does the paperwork indicate the location where the account was opened nor a copy of the identification presented/collected at the time the application was completed and the account opened. 

Whomever opened the account provided my checking account information for automatic debit of the payments. When I noticed the deductions I contacted my bank and reported the activity as fraudulent. 

That was over three years ago. I was never contacted about this account or the alleged delinquent payments until last week. 

Again I have no knowledge of this account.
Consumer complaint received 2024-01-29
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: EQUIFAX, INC. (OH)

I am writing to dispute certain inquiries on my credit report, which I believe are inaccurate and should be investigated. I have reviewed my credit report and compared it to the information on file with XXXX. I am perplexed as to why XXXX has been able to delete the same inquiries that I am disputing with Equifax.
Consumer complaint received 2023-04-15
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. (IL)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 : Section 602 states I have the right to privacy.

15 USC 168:1 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-17
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. (LA)

According to federal law, specifically, Title 15 of the United States Code, it is a requirement that this information be removed from my reports. Reporting this information appears to be a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and if these accounts are not removed and personal information is not updated within 30 days, you will be liable for 30 days.

Per 15 U.S. Code 1666b, ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

By the provisions of the FCRA, I am demanding the removal of these accounts and that if you fail to remove these remarks and accounts you respond with federal and constitutional measures that allow you to violate the privacy of my Estate, named XXXX XXXX XXXX XXXX. 

Please remove all information as you will not be able to verify since I did not supply you with written consent to report these accounts. Failure to remove the following also subjects you to liability
Consumer complaint received 2023-12-11
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. (MD)

On XX/XX/ ( and many disputes before that ) I have submitted disputes on these four XXXX XXXX accounts. Two of the accounts are not mine and the other two are reporting inaccurate information ( all four accounts are to be honest ). I have seen numerous disputes and have not received NOTHING back from the CRAs about my dilemma, I even tried calling and either I was hung up on or they do not try to hear my plea on how I have been wronged. The accounts that are in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

15 U.S. Code 6805 - Enforcement I need the Consumer Financial Protection Bureau ( CFPB ) to open up and do a thorough investigation into the major credit bureaus regarding the credit bureaus refusing to delete and remove fraudulent hard inquiries from a consumer credit report and UPDATE TO PAID AS AGREED ON ALL ACCOUNTS REPORT reporting inaccurate information and violating my privacy rights. These accounts have violated and are not in compliance with law THE FOLLOW ACCOUNTS AND COMPANYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4000.00} ) The hard and inquires that are negatively affecting my creditworthiness are not in complaince with the FRCA the several non-mailable addresses that I have demanded to be removed that are affecting my report. As a federally protected consumer under the Federally Protected Consumer Act The Privacy Act of 1974 my rights have been majorly violated by these reporting companies and agencies. Not one company has permission to report my information. they do and are reporting inaccurately. 
15 USC 6802 : Obligations with respect to disclosures of personal information IT IS ILLEGAL TO REPORT TRANSACTION HISTORY -15 U.S. Code 1681b - Permissible purposes of consumer reports no company has received my written non written verbal nonverbal consent to do publish my personal information on my report the information according to15 usc 1681 ( b ) ABOVE ALL THINGS TRANSUNION ACCORDING TO SEC.FILINGS IS NOW TRANSUNION INTERMEDIATE HOLDINGS, INC. A REPORTING AGENCY I DO NOT KNOW I did not consent for them to receive any information. 
TRANSUNION /TRANSUNION INTERMEDIATE HOLDINGS , INC , XXXX , XXXX ARE IN VIOLATION OF MY RIGHTS ARE IN VIOLATION OF THE LAW I AGAIN DID NOT GIVE ANY CONSENT FOR ANY THIRD-PARTY COMPANY TO RECEIVE MY INFORMATION PRIVACY ACT OF 1974 15 U.S.C. 1681-1681 FEDERAL REPORTING CONSUMER ACT 15 USC 1681 - [ EROMSIBLE PURPOSE 16 CFR 433.3 15 USC 1681 ( b ) 15 USC 6802-6805
Consumer complaint received 2018-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (NJ)

Previous complaint number CFPB XXXX. I complained about a technical support issue with my checking regarding adding nicknames to my account. This has been an ongoing issue since XXXX of this year when the bank went with a new online system. I received a letter from XXXX XXXX XXXX dated XX/XX/2018 stating they are still working on the issue and have no ETA on fixing it. I believe I gave it enough time ( 3 months ) and the problem still exists. What can be done to speed up the process to have this problem corrected?
Consumer complaint received 2023-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

On XX/XX/2023 I received a call from Macy 's informing me that my credit card account was overdue. I explained that I did not have a Macy 's card. They informed me there was about a {$1400.00} balance on a card opened XX/XX/2023. When I logged into my credit reports, sure enough it was on the all three credit services. I disputed the charge with Macy 's and opened a fraudulent claim, contacted all three credit report services and disputed the newly opened line of credit.
Consumer complaint received 2023-12-11
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.
Consumer complaint received 2023-12-11
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. (FL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit agency didn't make sure was reporting 100 % correct. 

In accordance with the fair 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 The credit reporting agency stated that these accounts were properly investigated and came back as verified, however is this true when there are several inaccuracy showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification description of reinvestigation procedure
Consumer complaint received 2023-05-03
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: Block, Inc. (FL)

Cash app allowed someone whose name is not on my account to link my debit card to their cash app account and withdrawl money from my primary banking account and they won't do anything about it
Consumer complaint received 2023-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (IN)

I cash app my daughter {$16.00} on XX/XX/2023 @ XXXXXXXX XXXX She replied back with a love heart after she received the notification, but did not realize it was not showing in her account. 
I reached out to cashapp support around XXXXXXXX XXXX  and received a response from cashbot, it would be a 30 minute hold time. As of XXXXXXXX XXXX XX/XX/XXXX, no one has replied. 
This has been a behavior complaint mentioned throughout social media regarding cash app taking account holders money.
Consumer complaint received 2023-12-11
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. (NY)

I want you to investigate this inappropriate information on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

ID theft under FCRA and other regulations please remove these accounts : FTC AND ADDRESSES AND ID ATTACHED. POLICE REPORT ON FILE - XXXX XXXX XXXXXXXX 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 2023-12-11
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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2022-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NC)

XX/XX/XXXX, I received a copy of my credit report, and as of XX/XX/XXXX ACCT : XXXX is reporting as valid and active. Upon further research, I found that sensitive personal data had been breached. My anxiety consumed me with worry and this left me in very troubled state of mind ; especially on the count that I have never gone into a car dealership to apply for any auto loans or received any financing for a vehicle of any kind. Moreover, I currently do not own a vehicle at all. I contacted several dealerships and inquired about this issue at hand and the representatives informed me that, there is no way that a situation like this should have even occurred. Since confirmation of this fraudulent activity, I have tried my very best to get this removed and blocked from my credit report. With many failed attempts via phone and mailed in letters. After notifying the consumer reporting agencies ( XXXX, EQUIFAX and XXXX ) of this issue this item was not deleted from my consumer file during the 30-day investigation period. In which is not in compliance with 15 US CODE 168i ( a ) ( 1 ) ( a ). Then after the investigation was completed and allegedly verified without issuing proper written notice of resources used to verify said information to I, the consumer per 15 US CODE 1681i ( a ) ( 6 ). I have experienced a tremendous decrease in my credit score which has led to other hardships. It has been impossible to now get fair financing without extremely high interest rates for adequate vehicles and housing approvals for my family during the pandemic. My work schedule varies and child care facility not close to my current address and work finding reliable transportation has been troublesome. Not being able to get approved and obtain my own vehicle or safe housing, I have experienced severe emotional and mental anguish battling with this dispute for almost over two years. Following this incident my physician has prescribed me XXXX to manage with my stress and anxiety levels. With plenty financial distress to no avail this issue has still not been corrected by XXXX XXXX XXXX XXXX XXXX, EQUIFAX and XXXX.