davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-26
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)

Ive attempted to resolve the issue of misleading accounts that I didnt authorize on my consumer report. I am aware of my rights and credit report agency should not be reporting inaccurate information. Please see attached letter of my dispute thank you
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported on my Transunion. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

on XX/XX/2023 i sent a dispute to transunion to verify a collection account that i have any knowledge in regards to. They have yet to process my request and I have given them different calls. It is past the 30 days that i understand they are allowed to process.
Consumer complaint received 2023-12-26
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. (PA)

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 XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

XXXX XXXX, XXXX and lakeview Credit monitoring to compensate for XXXX, XXXX XXXX, lakeview data breach XXXX XXXX Pw redacted Re-attempt registering Had to call customer service after my acct was deactivated Username variously used as : XXXX XXXXXXXX Then directed to call a number XXXX but when called that required activation code, so then directed to XXXX then obtained the activation code : redacted Then entered above code and prompted for ssn, name, zip code, address, etc and after enteringx2 was unsuccessful with the following screen at end of yellow brick road : How many homeowners were impacted in the incident? 

Based on our investigation to date, roughly XXXX XXXX homeowners, representing former and current customers and co-borrowers, had personal information contained in the files that were affected by this incident. 

Never recd letter for most recent incident or one from XXXX How will I be notified if my data was impacted? 

You will receive a letter with details about any data of yours that was involved, along with resources you can use to protect your personal information, such as free XXXX identity protection and credit monitoring services. In the meantime, if you have questions about this incident or identity protection services, call the XXXX XXXXXXXX XXXX Incident Response Line, supported by XXXX at XXXX. 

Why did it take so long to determine if my information was impacted? 

Investigations like this take time. We initiated response protocols immediately, which included a detailed review to determine exactly which data had been compromised. These reviews can be time consuming in order to ensure they are completely accurate and thorough. We appreciate your patience during this process. 

Have more questions? 
Call the XXXX XXXX XXXX Incident Response Line, supported by XXXX. Monday through Friday XXXXXXXX XXXX XXXX XXXX XXXX. ET This is an example of a company that is not deserving of the responsibility for handling private personal and confidential information of consumers and then the actions they have taken AFTER the 2nd data breach in 2 years. I never even received notice of the data breach. My account was deactivated and there were time consuming hours spent navigating all the recovery methods and trying to get credit monitoring services -- -none of the systems which appear to facilitate this process actually work and all the myriad support lines are of no assistance. it appears they have no place in the real market place and have absolutely no respect for consumers
Consumer complaint received 2023-11-09
Product: Credit 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: DISCOVER BANK (FL)

On XXXX I made an online purchase of a shower kit with my credit card Discover. I requested the item to be cancelled a few days after due to the long period of time to be delivered. I was advised by the merchant that I could refuse the package upon delivery and that I should get a refund after. The item was left porch without notice under the name of someone else but with my address.Since it was a large item there was no way for me to take it anywhere in my vehicle. I saw labels from XXXX XXXX with a number to call in order for the item to be returned. I called the number and was able to arrange a pick up that was done on XX/XX/XXXX. I contacted the merchant by Email which is a third party vendor named XXXX XXXX which apparently orders from XXXX XXXX and act as its the seller. I was advised that onces it got back to the warehouse I should be receiving a refund, which I never did. I then decided to open a dispute with Discover and submitted all my proofs of shipment labels and Email communications from this merchant for them to help me resolve this case. As of now, I still have not been able to get my refund back. Discover keeps stating that the merchant stated that the item was a final sale and it couldnt be refunded. Discover keeps referring me back to the merchant to get this issue resolved. But per Email conversations from the merchant I was advised and authorized to send the item back for a refund which I did. I was able to obtain receipts from XXXX XXXX that the tem was received and that the merchant received the purchase money back to his account but its not refunding my money. All those proof were submitted to Discover for them to resolved the dispute. No resolution has been made until this date. I recently reported this business to the bureau because I feel I was scammed. I was made believed that I could returned the item for the merchant to keep the money and the merchandise. Please help me get this resolved, this bank is not willing to proceed with doing anything else after multiple calls and speaking to different account managers. They are not considering that Im the consumer and customer suffering loss from this issue. I am a single mother with XXXX kids and can not afford this loss of money. I feel Ive been treated unfairly by this bank and need this organization to make things right since I dont have any hope from the merchant or this bank.
Consumer complaint received 2023-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (DC)

My first payment was due to Edfinancial on XX/XX/2023. I made a payment and received a receipt on XX/XX/2023. My payment was then reversed without notifying me. I double checked and my banking information was correct. I then tried to make a payment for my XX/XX/2023 and XX/XX/2023 balance on XX/XX/2023. The payment has been marked as " received '' but no money has been taken from my bank account. My credit score has also dropped XXXX points since this has begun, and I have done nothing else different with my credit usage. I have already reached out to Edfinancial and they have been unresponsive.
Consumer complaint received 2023-04-15
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. (FL)

XXXX. XXXX XXXX XXXX. 
date open XX/XX/XXXX amount {$25000.00} XXXX. XXXX XXXX XXXX date open XX/XX/XXXX amount {$88000.00} I reached out to both the furnisher of the credit, and they advised me that they're going to remove these accounts from my credit reporting agency. After waiting for 90 days. Both accounts are still reporting. After calling the original creditors again they advised me that after my phone call emails were send to all 3 bureaus to remove the accounts in question. 
I reached out to each credit agency Experian, XXXX XXXX, and XXXX and they just updated all the dates and account statuses so they can all match, but still never removed the accounts in question.
Consumer complaint received 2023-12-27
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NC)

I sent XXXX a message about my card being fraudulent charged for over {$5000.00}. I was told via phone that this wa being taken cared of. Now I am being sued, but my credit card agreement has an arbitration clause and I would like to invoke that clause for arbitration.
Consumer complaint received 2023-09-01
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (GA)

Dear Exeter Finance and XXXX XXXX, I was given false and deceptive information. 
( Violation of 1692e ) -False or misleading representations, 15 U.S.C . 1692e as I was told that a down payment of {$1200.00} was needed to drive off the lot. This was for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
( SILVER NOT BLACK ) I really dont appreciate you pocketing my hard-earned money. The price of the car and all associated fees should have been totally covered within ONE TOTAL finance charge. The car was actually paid for in full, before the security interest was transferred to EXETER FINANCE , LLC. Please send me the True Bill of Sale along with all disclosure statements according to GAAP regulations ( GENERAL ACCEPTED ACCOUNTING PRINCIPLES ) regarding this credit transaction ( DEAL # XXXX ) for my personal records. 
Pursuant to 15 U.S.C.1605 a finance charge is THE SUM of all charges ; therefore, I should have never been charged any additional fess outside of this. Down Payment Reimbursement shall be made by check payable and expedited to : XXXX XXXX XXXX XXXX XXXX XXXX, GEORGIA XXXX I am keeping a close record of my communication regarding my refund and if I must seek legal counsel, I will sue for the maximum amount allowed by law. Thank you for your time and attention to this matter, Respectfully, XXXX : XXXX BENEFICIARY Without Prejudice, All Natural Inalienable Rights Reserved.
Consumer complaint received 2024-04-23
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. (AL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-26
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Disputing Information in Credit Report I am writing to dispute the following information that your company has reported to my credit thats inaccurate. I have circled the items I dispute on the attached copy of my credit report ( s ). 
This item XXXX XXXX account # XXXX is inaccurate How can I open the same account on two different dates Transunion says opened on XX/XX/2021 XXXX says opened on XX/XX/2021 Please delete this account. 
Also Transunion says there are zero late payments but XXXX is reporting 5 late payments. Please delete this account!! 

Enclosed are copies of my credit report supporting my request. Please reinvestigate this matter and remove the inaccurately reported account from my credit report.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

WHY HAS YOUR BUREAU NOT TAKEN IMMEDIATE AND DECISIVE ACTION TO REMOVE THE FRAUDULENT ACCOUNTS, ESPECIALLY WHEN OTHER CREDIT BUREAUS HAVE ACKNOWLEDGED THEIR FRAUDULENT NATURE AND REMOVED THEM? HOW CAN YOU JUSTIFY CONTINUING TO REPORT ACCOUNTS THAT HAVE BEEN CLEARLY IDENTIFIED AS FRAUDULENT, DESPITE MULTIPLE DISPUTES AND SUPPORTING EVIDENCE? WHAT SPECIFIC MEASURES IS YOUR BUREAU TAKING TO RECTIFY THIS SITUATION, AND WHY HAS THE PROCESS BEEN SO EGREGIOUSLY DELAYED? I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am appalled and infuriated by the utter lack of urgency and responsibility demonstrated by your bureau in addressing the fraudulent accounts on my credit report. 

XXXX XXXX -PLEASE DELETE!!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX -PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX -PLEASE DELETE!!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX-PLEASE DELETE!!!! XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I demand the immediate removal of the fraudulent accounts from my credit report. Your lack of responsiveness and diligence in addressing this matter is not only unconscionable but also a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the timely correction of inaccurate information. Failure to take immediate action on this matter will compel me to explore all available legal avenues to rectify the damages caused by your bureau 's inexcusable negligence.
Consumer complaint received 2023-12-26
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 RECENTYLY NOTICED THERE WERE A NUMBER OF UNAUTHORIZED, INACCURATE, AND INCOMPLETE ACCOUNTS LISTED ON MY CREDIT REPORT THAT NEED TO BE REMOVED IMMEDIATELY. I DID NOT CONSENT TO THESE ACCOUNTS BEING OPEN USING MY SOCIAL SECURITY NUMBER AND THESE ACCOUNTS DON'T BELONG TO ME. NOT ONLY DO THEY NOT BELONG TO ME, BUT THEY ARE INACCURATE AND I KNOW CREDIT REPORTS MUST BE 100 % ACCURATE. MY CREDIT REPORTS AND CREDIT FILES ARE NOT 100 % ACCURATE. REMOVE ALL INACCURATE ACCOUNTS IMMEDIATELY BECAUSE THIS IS UNFAIRLY RUINING MY LIFE AND MY REPUTATION WITH THE BANKING SYSTEM
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. (MI)

i recently checked my credit report and it said i had XXXX collection accounts one from ( XXXX XXXX XXXX ) XXXX XXXXXXXX for a total of {$310.00} XXXX i have never been associated with this company nor had i ever had an account with them also theres one from ( XXXX XXXX ) XXXX for a total of {$1400.00} XXXX i would like for these accouynts to be removed and deleted from my report i already put an fraud alert on there
Consumer complaint received 2023-09-01
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. (FL)

I called your department after I purchased a credit report with XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF account on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud account on my credit report all this time just today I have a charge off and that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with this account listed below, so please help me remove this charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE THIS FRAUDULENT ITEMS : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Account : XXXX XXXX.
Consumer complaint received 2023-12-26
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)

The purpose of this complaint is to have several unauthorized hard credit inquiries in my credit report. I received a copy of my credit report from your bureaus on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX is reporting that I owe {$630.00} on my credit reports but according to there website and my payment schedule I only owe {$350.00} and therefore XXXX is reporting incorrectly on my credit reports.
Consumer complaint received 2023-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (IL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleget debt, nor therefore any such debt, in fact therefor exists.