davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-26
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)

I have consistently reached out to TransUnion in an attempt to have my bank statements reviewed for the payment month in question. XXXX and XXXX have both received the same set of documents that I sent to TransUnion, and they have promptly updated my payment history from 99 % to 100 %. 

I've made multiple calls to TransUnion, requesting that they review my bank statement, which clearly shows two crucial payment entries : one on XX/XX/XXXX ( as evidenced on page 2 ) and another on XX/XX/XXXX ( as indicated on page 5 ). This places the XXXX payment well within the 30-day window. I even had a conversation with a TransUnion representative during which we meticulously went through the statement, page by page, but to my frustration, no update was made. The representative informed me that it might take up to 30 days to see any changes, but despite the considerable wait, I haven't received any notifications of an update.

To add to my frustration, TransUnion has blocked me from uploading new documents via their website. Every time I attempt to do so, I receive a message instructing me to call in. However, when I follow this instruction and make the call, I'm persistently transferred from one representative to another without any resolution. 

Once again, I am attaching my bank statement and the payment history from XXXX XXXX, which unequivocally demonstrates that my XX/XX/2022 payment was made on time. Despite providing this concrete evidence, TransUnion has continued to refuse to update my payment history to reflect 100 %. This situation has become incredibly exasperating as, despite my proof, I seem unable to receive assistance. 

Regrettably, it appears that the only means of getting their attention is by submitting multiple complaints through the Consumer Financial Protection Bureau ( CFPB ). I am prepared to upload the documents once more, this time with the payment entries from my XXXX XXXX account highlighted. I kindly request that you address and resolve this matter promptly.
Consumer complaint received 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

I had an automated call, informing me that my credit limit was reduced. There was no way to reach a live person from that call and I was required to call back to a different number to reach a person. I had to speak to a supervisor before I was directed to a different department. The customer service person told me that they could not lower my interest rate but that someone in hardship could. When I spoke with someone in hardship, they said that they didnt do that sort of thing and that I needed to speak to someone in customer service. I explained to them that while Im trying to pay my credit card each time I make a payment that reduces my debt to them they reduce my credit limit which reduces my credit score again. Ive asked for consolidation loans and other options short of closing the accounts and each of my credit card companies Just says theres nothing they can do.
Consumer complaint received 2023-08-04
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (OR)

we moved cross country and my online login uses my old phone number [ landline ] for two part verification so I was unable to access my A/C I called multiple times and identified myself with DOB/Mother 's maiden name etc etc. They wouldn't accept this to change the phone number for two part verification. They insisted I supply a notarized statement. I took their form to a local [ OR ] notary and sent it off to Discover No response after 3 weeks so I called in again only to be told no one has looked at my notarized statement.Called back several times and got the same response. Insisted that all I want is to close my A/C and be done with Discover Finally, got the respnse that my notarized statement is incomplete. Was told a supervisor would call me and no call was received.

The " incomplete '' issue may be the result of OR notary law requiring notaries to use their own form and NOT the form provided by Discover. All the same info is included.

Hilariously they have changed my mailing address based on my Postal change of address but will not acknowledge they have identified me.

I just want to close mt A/c and never have anything to do with Discover again
Consumer complaint received 2024-04-23
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 been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-04-27
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. (AZ)

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. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX XXXX XXXX XXXX XXXX  ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Reports To Equifax, XXXX XXXX Inaccurately & Inconsistent ) lower amount to {$720.00} for settlement amount per XXXX XXXX XXXX - Letter Attached for Settlement Amount. 

XXXX - {$2100.00} ( Reports To Equifax, XXXX - Original Collection Amounts Reports Inaccurately & Inconsistent ) XXXX XXXX - {$3500.00} ( Original Collection Amounts Reports To Equifax, XXXX, XXXX XXXX Inaccurately & Inconsistent ) 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.

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX ( deleted ), Ohio Department of Human Services ( late payment deleted ), Department of EducationXXXX XXXX late payments removed ), XXXX XXXX ( paid off/deleted ) Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. Please delete all ( accounts listed on report - XX/XX/XXXX ) Collections ; XXXX XXXX XXXX, XXXX XXXX XXXX, remove XXXX XXXX XXXX XXXX XXXX late payments due to inaccuracies and inconsistency in accounts reporting between Equifax, XXXX, XXXX, settlement amount per XXXX XXXX XXXX - Letter Attached for Settlement Amount.
Consumer complaint received 2023-11-02
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: EQUIFAX, INC. (FL)

After thoroughly reviewing my updated credit report, I have seen incorrect and misleading information that your company is currently reporting. According to my records, you have shared incorrect information about me which is a violation of my privacy rights. 

This information should not have been shared without my express permission. 

-- -- -XXXX  XXXX -- - XXXX XXXX XXXX 
XXXX XXXX XXXX  XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX 
XXXX -- -- -Equifax -- XXXX - XXXX XXXX XXXX 
XXXX
Consumer complaint received 2024-04-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting an investigation into this account and the deletion of the derogatory information from my credit report.

Please find the details of the disputed account below : XXXX  Account Number : XXXX High Balance : {$4900.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Account Rating : Paid Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Payment after charge off/collection ; Dispute resolved; customer disagrees Original Creditor : -- Based on the information provided, I dispute the accuracy of the reported account status, as it incorrectly reflects a collection/chargeoff status. The account was paid and closed, as evidenced by the {$0.00} balance owed and the " Paid '' account rating. Therefore, I request that this inaccurate and derogatory information be removed from my credit report.

Additionally, as per the FCRA, I request that you conduct a thorough investigation into this account and provide me with any documentation supporting the validity of the reported information. If you are unable to provide sufficient evidence to verify the accuracy of this account, I demand that it be promptly deleted from my credit report. 

I expect a prompt response to this dispute within XXXX  days from the date of this letter, as required by law. Failure to comply with this request will result in further action being taken to ensure the accuracy of my credit report.
Consumer complaint received 2023-04-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (CA)

XXXX XXXX XXXX located in XXXX XXXX, named me as a Co-signer on a vehicle approved by Credit Acceptance. I did not sign nor was I informed about any of this. I have never purchased a vehicle at any Auto Dealership nor have I ever attempted to purchase a vehicle at a Dealership due to the unjust and life ending amount of interest Child Support and the XXXX as well as the XXXX XXXX system has attached to a monthly child support payment a incredibly bias Commissioner has ordered me to pay. The amount has exploded to a ridiculous amount as I was unemployed at the time this was apparently was written in stone. My license was then suspended by the XXXX. The amount owed is certain to automatically deny any attempt to assume the role of a Co-Signer of a vehicle loan. I currently do not understand at how this was approved. Yet at the time of XXXX to XXXX my information was attached to Credit Acceptance which was without my knowledge.
Consumer complaint received 2017-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My son died in California XX/XX/2017 now since my sons account has been suspended they say they can not do chargebacks on charges that happened after his death. His account has been debited up to 5-times since his death. Nobody else had his debit card.
Consumer complaint received 2024-04-24
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. (NC)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX, XXXX XX/XX/year>
Consumer complaint received 2020-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (FL)

I have previously filed dispute for the following items as I have no knowledge of these debts. 

XXXX XXXX for {$360.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$210.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$71.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$86.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

LANIER COLLECTION AGENCY for {$170.00} Not my account, received no correspondence validating this, as well as how it was validate, with whom, the amounts supposedly validated or the dates of such charges. 

I have never received correspondence from either of these companies detailing or validating the debt, that this debt is mine, whom it was validated with, the dates validated, dates of each charge ( s ), supposed amounts owed, or documentation with my signature showing this debt. Instead each of these companies have placed negative inaccurate information on my credit in violation of the FCRA.
Consumer complaint received 2024-04-24
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-24
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 am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd XXXX XXXX. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.
Consumer complaint received 2023-09-26
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. (PA)

XXXX XXXX XXXX XXXX Name : XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Consumer complaint received 2024-04-24
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. (FL)

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX 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 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Consumer complaint received 2023-08-08
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. (NY)

This is my numerous 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 an 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MD)

XX/XX/2023 I applied for a credit card using my name birthday, social security number and my autograph which is a blank endorsement. using usaa federal savings bank mobile app I submitted my application/note and was denied credit. I called to inquire about the denial and was told that there decision did not go against the ecoa and there was no remedy for me.