davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
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 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. 

Accounts : XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-12
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. (NV)

These inquiries do not pertain to me. Kindly remove them from my credit report as soon as possible. 
XXXX  Date of inquiry : XX/XX/year>
Consumer complaint received 2023-12-27
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. (AZ)

I'm a casualty of data fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2020-07-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

XXXX XXXX was notified in 2019 of my Bankruptcy and would not allow me to turn off the electric in home I had been renting until XX/XX/2019. I moved out and they continued through XXXX under my name. My bankcruptcy was discharged on XX/XX/2019. They sent the debt to Helvey & Associates who refuses to remove the collection from my credit bureau reports. I have disputed it multiple times with the company and they still have it on my credit even after it was included in bankruptcy.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my first 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
Consumer complaint received 2023-09-02
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. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-12-27
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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 is violation after violation after violation. This is causing me stress because I have no hope with this system
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 — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (IN)

I have only had two purchases in 2023 on my Target RedCard XXXX : a purchase for {$3.00} on XX/XX/XXXX and a purchase for {$2.00} on XX/XX/XXXX. Presumably due to the small balance on the credit card, I was never notified by Target that there was an outstanding past due balance on this account outside of emails notifying me that a monthly statement was available. These notices contained no indication of the account status and looked exactly the same as months where the account was inactive with a {$0.00} balance. Target then continued to make no attempt to notify me that the account was past due, while charging a $ XXXX/month fee until XX/XX/2023, when the fees caused the account balance to cross an arbitrary {$10.00} threshold. Once the account crossed this threshold, a past-due account was reported to all the credit agencies. Upon seeing this notification on an app monitoring my credit report, I immediately paid off the account and contacted Target to perform an investigation as to why no attempt was made to contact or notify me about the past due account earlier. I have launched investigations into this matter through the company, the XXXX, and various credit agencies, and each time Target solely claims that they must " report accurate credit info '' and have not adequately investigated whether the low balance prevented whatever notice of past due accounts that are normally sent from being sent to me. I also maintain that Target is falsely claiming that they are not investigating the matter due to the credit reporting being " accurate '', as they did not report the account was in a negative state for several months until it had crossed some arbitrary balance threshold.
Consumer complaint received 2023-12-27
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. (MA)

Despite my previous 4 written requests, the unverified items listed still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of your willful disregard of Federal Law.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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 a 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 2023-12-27
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. (IN)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Subject : XXXX XXXX XXXX XXXX XXXX ( XXXX ) for XXXX XXXX XXXX Dear XXXX XXXX I am writing to file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX for reporting inaccurate information on my credit report. The information they provided " does not match data from other credit reporting agencies. '' XXXX has reported a debt that I do not owe. " Under the XXXX XXXX XXXX XXXX XXXX  I have not provided any evidence that Developer XXXX owes any debt, and therefore, no such debt exists. '' XXXX 's actions violate several provisions of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 ( a ) : XXXX is reporting inaccurate information.

15 U.S.C. 1681i : XXXX failed to properly investigate my dispute. 
15 U.S.C. 1681e ( b ) : XXXX has not assured maximum possible accuracy. 
15 U.S.C. 1681s-2 ( b ) : XXXX did not investigate after notification of dispute. 

Their actions are causing significant harm to my credit. 

I request that the CFPB investigate and take action against XXXX for FCRA non-compliance and ensure the removal of the inaccurate information from my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

I have accounts on my credit report which I would like removed because they do not accurately portray my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company (VA)

This mortgage company is offering {$2000.00} egift cards for using their mortgage service. That seems like a thing of value, and requires you closing a mortgage with them. How is this allowed? 

This same offer for {$2000.00} egift card is on their actual website.
Consumer complaint received 2023-12-27
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. (GA)

I'm a casualty of fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these blunders are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data as quickly as time permits would be incredibly valuable. We are hoping to purchase a house. Kindly assistance
Consumer complaint received 2023-11-02
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. (TX)

I have sent multiple dispute letters to all three credit reporting agencies, Ive sent them a CommonLaw Copyright Agreement stating that any information pertaining to myself is copyrighted. I also sent all three bureaus a filed and perfected UCC-1 financing statement showing my perfected interest in my legal persons name, likeness, assets, etc. The last dispute letters were sent about a month ago requesting that certain accounts be removed, that certain inquiries also be removed that were not authorized, and that late payments are actually illegal and that the agencies should correct certain information on all three reports. None of my requests have been honored. Permissible purpose has not been given to any of the three agencies to report certain information that I demanded be removed. Lastly my credit age is being reported unfairly and incorrectly which is negatively affecting my ability to be approved for credit.
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Vehicle 's that have gone through Court to have me removed from them- are still showing up on my credit- when I was told by a Judge that all 3 of the vehicles that I was on with XXXX XXXX XXXX have been removed- due to Fraud committed by Him with his company-
Consumer complaint received 2023-04-26
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: TransferWise Ltd (FL)

On XXXX  I submitted to WISE card the following information, whereby initiating a review/dispute of my account : As a traveler, I use Wise. I used it on XX/XX/ to pay a cab driver in XXXX who charged me XXXX pesos ( for a ride under one mile ) and I saw him enter the amount as XXXX thinking he was doing so correctly. It turns out that he failed to enter the decimal XXXX and my card was charged XXXX pesos for a ride of one mile. Please know, no receipt was offered as he specifically asked me if I wanted one and I said Wise would send me the receipt. 
Wise responded with the following : We couldnt confirm that transaction # XXXX was unauthorised. You can review the info that we used to make our decision. If you would like to, please reply to this email and let us know. 
I then filed a complaint with XXXX  - to which WISE than responded : It looks like you have made the purchase with a scam merchant, and sadly you will most likely not be receiving the goods you purchased. I have filed a chargeback for your transaction to the XXXX network. I have also issued provisional credits to your account. From here, the merchant will have 50 days to respond to our dispute. Should there be any updates, we'll let you know. If you don't hear back from us in 2 months, the credit will be automatically considered as final and the chargeback as won. 
Wise also suggested I get a new card but as I am in XXXX, they won't send me a card to my address here and I do not see traveling to US just to pick one up. - I can not afford the USA on my ssi. 
I currently have a provisional credit however WISE failed to provide the Cab driver info as requested. I seek assistance to solidify the credit and remove it from provisional as this was clearly a negligent situation on behalf of the cab driver, the cab company and Wise denying my request. Wise offers exchange of the USD in all foreign currency but fail to understand the monetary system within that country and how the monies are posted and listed. This was an honest error on behalf of the cab driver and I have never ever spent that much money on any account in the length of time I have used Wise. Why did they not provide the info as requested but offered me a provisional credit instead? I never belonged or have been a part of XXXX.
Consumer complaint received 2023-12-27
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)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (AZ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

on XX/XX/2023 I send a letter, certified mail to Experian XXXX letter is enclosed. However they refused to act on my request saying they dont believe the letter came from me... which doest make since because i included valid drivers license and proof of address.The use of stall tactics should not be used when handling a consumer dispute. 
I am XXXX XXXX XXXX and I am filing this compliant please address my metro 2 compliance dispute enclosed in this compliant now that you know its me the consumer whos rights you continuously violate.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX 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 2024-06-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-04-01
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: Experian Information Solutions Inc. (AZ)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2023-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

This is a new issue as of XXXX but there is more to it than just a late direct deposit. PNC bank is not giving any information about my ACH deposit not being available today. I have other LOCAL banks and the deposits are there and available but my PNC account deposit is not credited. When I called the bank 3 times after they opened at XXXX XXXX XXXX they keep indicating that there isnt an issue but I work for a large company and other PNC customers and other large banks have no deposits posting. This is an issue that needs to be looked into immediately.