davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-09
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'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2024-01-09
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Consumer complaint received 2024-04-27
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. (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. 

Account Name : XXXX XXXX Account Number : XXXX and 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 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to dispute the inaccurate account that continues to appear on my credit report Despite my previous attempts to address this matter, the erroneous information persists, impacting my creditworthiness. Furthermore, I believe that there have been violations of the Fair Credit Reporting Act ( FCRA ) in the handling of this dispute. 

Under the FCRA, consumers are entitled to accurate and fair credit reporting. It is evident that the continued reporting of inaccurate information constitutes a violation of my rights under the FCRA.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

XXXX Purchased ink jet cartridge using XXXX for {$15.00} using my credit card XXXX XXXX transaction num. XXXX. The card num.. is XXXX from XXXX XXXX ServicesXX/XX/2015 Request a cancellation for item not received. 
XX/XX/2015 Creditor refund to XXXX account. 
XX/XX/2015 Supposed refound in trans. XXXXNEVER RECEIVED A REFOUND TO MY CREDIT ACCOUNT
Consumer complaint received 2024-04-27
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. (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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 2024-04-27
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. ()

I discovered that some of the information on my credit report was 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 Owed : {$12000.00} DEPTEDXXXX XXXX Balance Owed : {$720.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$12000.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} DPEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently reviewed a copy of my credit credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-01-08
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 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 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 2024-04-27
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. (PA)

Upon checking my credit report I see inquries that I did not give permissible purpose to furnish or use my private and perosnal information for financial gain. This is identy theft violation 15 USC1681b ( 2 ). Below are the accounts. 

XXXX. XXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX XX/XX/2024 XXXX. XXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX XXXX - XX/XX/2024 XXXX. XXXX XXXX XXXX XX/XX/2024 XXXX. XXXX XXXX - XX/XX/2024 TRANSUNION - XXXX & XXXX IS ALL REPORTING THESE INQURIES.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-04-27
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. (FL)

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX  XXXX XXXX {$1900.00} XXXX - XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} DP XXXX XXXX - XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX  - XXXX {$180000.00} XXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I discovered that some of the information on my credit report was 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 XXXXXXXX Balance Owed : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$600.00}
Consumer complaint received 2024-01-08
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)

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 2015-05-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

In my credit report from XXXX XXXX requested by XXXX XXXX, an incorrect creditor showed up with a debt in the amount of {$22000.00}, by XXXX XXXX. This debt does not belong to me. I want an investigation and the same be eliminated from my report.
Consumer complaint received 2024-04-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This is my several endeavors 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, remove 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, VA XXXX XXXX XXXX CO XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}
Consumer complaint received 2015-11-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GU)

I am currently XXXX and have an issue with XXXX XXXX. My spouse had a family plan with XXXX XXXX that we were unable to keep due to transferring XXXX. In XXXX, they do not have XXXX XXXX service. So, my spouse spoke to both representatives on the phone and in store from XXXX XXXX. We presented them with our Change of XXXX letter that stated we were moving from XXXX to XXXX. The employee my wife spoke to over the phone assured her that our account would be closed out with no outstanding debt. His information is as follows : XXXX XXXX Employee ID # XXXX. Her conversation lasted around 3 hours on the phone and she was assured that there was absolutely no outstanding balance and that we were good to go for our transition to XXXX. We have tried since to resolve the issue again with XXXX XXXX, but they have gone back on their original terms and now say that we owe them {$240.00}.
Consumer complaint received 2024-10-23
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. (TX)

I sent out letters to all bureaus and still have yet to receive a reply. It has been more than XXXX XXXX days since I mailed dispute letters. And over XXXX XXXX days since my last complaint filed with cfpb. And yet I still havent heard anything. Nor has the problem been resolved. My rights are being violated. And I refuse to allow more time for them to try and correct the inaccurate information. When the laws clearly state the allocated time they have and what will occur if situation is not handled appropriately. I wish to have all inaccurate information removed and I request compensation for the stress and duress this process has put me under. 15 USC 1681 s2 ( A ) ( 1 ) clearly states that 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! I have in my possession U.S. Postal Service CERTIFIED MAIL RECIEPTS. Dated XX/XX/year>. That were mailed to all three reporting agency asking for a correspondence and proof of these accounts through certified mail. And I have yet to receive a response. Supporting their claims. And then I also sent an cfpb complaint on XX/XX/year> and still have yet to receive any letters or documentation proving that I am obligated and have a contract with the companies who are reporting these inaccuracies. The allocated time has expired.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Beginning in XX/XX/year> the account in question ( GOLDMAN SACHS AND COMPANY ) was reported 30 days late and the processing of my payment to this company was sent back in error. Causing my credit score to go down and changed my good score to fair.

As a result, the company then closed my account and I loss access to the online portal which I pay my bill on. 
I've tried to pay the bill and the company ask me to verify that the bank account is owned by or that I'm the XXXX of the account I'm paying from. During the process of trying to pay for the account that I'm owner of, another late payment has posted for XXXX.
Consumer complaint received 2024-10-23
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HireRight Solutions, Inc. (VA)

Hire Right provided my background check results to XXXX XXXX XXXX XXXX XXXX, without my written authorization. They recklessly provided this information, knowing they did not have my written authorization. Per the phone call to Hire Right on XX/XX/2023, I asked the representative for a copy of my written/signed authorization. The representative stated that, she was unable to locate the consent & that the process is to obtain consent was, a email from Hire Right, sent to the email address of the applicant for XXXX XXXX XXXX XXXX XXXX, to have the background check conducted & to authorize those results to be sent to XXXX XXXX XXXX XXXX XXXX None of that happened. I never received an email & they knew they didnt have my authorization, however, they sent my information to XXXX XXXX XXXX XXXX anyway. To this date, neither XXXX XXXX XXXX XXXX, or Hire Right can provide that written consent ; because it doesnt exist. I was also fired from my job due to this negligence as well.
Consumer complaint received 2015-09-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIRSTBANK PUERTO RICO (PR)

I opened a car loan in XX/XX/XXXX, in XX/XX/XXXX I sold a car to a dealer, the vehicle is paid in full, but in my credit report have a balance of {$26.00}, account in good standing, but lower my credit empirical.
Consumer complaint received 2023-06-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MO)

I applied online to Lowes CC. 
Their verification includes submitting my Social Security No., drivers license picture, and a current photo of myself. This was done via a link that was sent to my mobile phone. 
I had a problem with how to continue after the above verification and a Lowes customer representative connected me with the CC issuer who just informed me that I was denied. 
I received an email with a letter from Synchrony Bank dated XX/XX/2023 ( Ref XXXX ) that I was denied since they could not confirm my identity. 
My license was renewed last year, so my current picture is still the same, the Synchrony Bank customer representative on the phone never asked me any identifying questions before informing me that I was denied. 
Additionally, I currently have 3 IRA CDs with Synchrony Bank, It looks like the denial was based on my age and my XXXX XXXX XXXX more than any other reason.