davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-14
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. (TX)

I have recently viewed my credit report and it displayed inquiries I am unaware of. 

I called the Transunion reporting agencies and let them know the inquiries for XXXX XXXX XXXX on XX/XX/XXXXXXXX  and XXXX XXXX XX/XX/XXXX, are not supposed to be visible on my consumer report because I never gave them written permission and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request. 

I called XXXX to let them know the inquiry made on XX/XX/XXXX, by XXXX XXXX XXXX are not supposed to be visible on my credit report. 
I never gave them written consent to report them and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (NC)

I have been a victim of Identity theft. I have sent in FTC reports and Police reports but the results of the investigation has been verified. I need these collections validated. I have no knowledge of XXXX XXXX XXXX XXXX, OR MIDLAND CREDIT MANAGEMENT. I have no debt with these companies nor the companies they represent. No one has been able to provide me with a contract verifying the stated debt. Please have it removed immediately. Thanks in advance.
Consumer complaint received 2023-12-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

I have not been able to access my USAA banking statements or accounts since XX/XX/23. 

I lost access to the enhanced logon to my account, which is, in addition to a logon and password, a secondary authentication method of verifying my identity. When I called USAA on XXXX, USAA insisted that I needed this enhanced logon in order to speak with an account recovery specialist. They asked me to upload my identification to a USAA website : XXXX. I uploaded a high resolution photo of my passport on XX/XX/23, and the website confirmed it was sent. They told me it would take XXXX to XXXX hours for a phone call from USAA. USAA did not call. 

I called again on XX/XX/23 and XX/XX/23. They asked me to use the website ( USAA.com/verify ) again to authenticate my identity. I submitted again. I still have not received any contact from account recovery services. Nearly week after my initial phone call to USAA, I am not certain I will be able to move money from accounts to pay bills. And because my statements are online, I do not have access to my statements.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XX/XX/XXXX - Credit report from TransUnion, pulled at car dealership, falsely showed me as deceased reported by TransUnion. 
Called TransUnion help hotline multiple times for weeks, trying to get my deceased indicator removed from my report.

Sent multiple letters in the mail to have problem fixed. 
Finally received full credit report from TransUnion on XX/XX/XXXX, but still has not fixed the issue - deceased indicator on my file.
Consumer complaint received 2018-07-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

I dont understand Citibanks overdraft system. It is very misleading. I log in to my account and I see my account being negative with pending transactions. I immediately make a deposit and I still get charged fees. I have been charged 3 or more fees because of this. My end of day balance never goes negative. The transactions that come in are pending. Why would I still be charged a fee?
Consumer complaint received 2023-11-14
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. (NY)

Complaint XXXX The inquiries below were made without my permission or knowledge, and I believe they are negatively impacting my credit score. 

This is the list of the inquiries that I am disputing : Inquiry by XXXX XXXX on XX/XX/2023 - XXXX Inquiry by XXXX XXXX on XXXX XXXX- XXXX I have made several attempts to contact the companies responsible for these inquiries, but they have been unresponsive and have not provided me with any information about why they made the inquiries or whether they have any legitimate reason for doing so. 

I have also tried to dispute these inquiries with the credit reporting agencies, but they have not been able to provide me with a satisfactory explanation for why these inquiries remain on my credit report. 

I believe that these inquiries are unjustified and have no legitimate reason for being on my credit report. They have caused me significant stress and financial hardship, as they have affected my ability to obtain credit and have lowered my credit score. 

I am therefore requesting that the CFPB investigate this matter and take action to remove these inquiries from my credit report. I believe that this action is necessary to protect my rights and ensure that my credit report accurately reflects my creditworthiness.
Consumer complaint received 2018-07-18
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. (GA)

Transunion and XXXX declines to delete/remove the inaccurate and false account in my file ... there is no contract and the bureaus will not provide me with the verifier or any proof of validation ... this account was settled with XXXX XXXX ( Original Creditor ) this is the very reason why XXXX has removed it ... the account has now been given or sold to XXXX XXXX ( Opened XX/XX/2018 ) This is an outright and unjust violation of F.C.R.A. law and litigation may follow ...

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The following personal information pertaining on my credit report are not mine. Please remove them, I have submitted a complaint to the bureaus multiple times. I have listed the the inaccurate personal information for your reference. 

Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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: SYNCHRONY FINANCIAL (CA)

In accordance with the fair credit reporting act XXXX Account XXXX has violated my rights.

15 USC 1681 Section States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-06
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. (FL)

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-11-14
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)

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2023-11-14
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. (TX)

TransUnion has released personally identifiable information in their data breach including my drivers license information and number, previous residential addresses and most importantly my social security number. This information has been shared across multiple channels and attempted to be used in credit inquiries etc. TransUnion unlawfully assured me my credit freeze was placed on my report prior to this event when my credit profile was not secured and my information was stolen. In XX/XX/2022 I was forced to obtain a cosigner on an apartment I was initially denied approval due to rental information that was never shared with me after checking my credit profile and requesting information on potential rental history. The name of the third party that was providing the inaccurate information was withheld from me and I was forced to use a cosigner to obtain housing despite having XXXX credit score and making the necessary amount with 2 jobs.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, 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. (CA)

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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6100.00}
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX ) and account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account was deleted from my XXXX report and experian. All three accounts shall match. This is inaccurate information and it is violating my rights. How is only one credit beurea saying verified while others are saying deleted. Please delete these accounts because you are violating my rights.
Consumer complaint received 2018-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (FL)

XXXX XXXX XXXX has been popping up on my credit report for the last 2 years. Stating that I owe them the amount of XXXX from a XXXX loan that was opened in my name from identity fraud. I have sent them multiple letters stating this is a part of identity theft, i've also sent them a police report from my then local police department with the item listed as apart of the identity theft. they continue to not Validate this debt and since i am a Florida resident they aren't boded or license to collect debt in this state. This debt is hurting my ability to purchase my home. They removed the debt and admitted fault in XX/XX/2017 and has since then been reporting agin to my XXXX XXXX and XXXX reports! This is completely illegal what they are doing!
Consumer complaint received 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Fraudulent Accounts Appearing On My Credit Report. 

1. Us Dept Of EDXXXX {$15000.00} 2. Us Dept Of EdXXXX {$36000.00} XXXX. XXXX XXXX {$17000.00}
Consumer complaint received 2023-11-15
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)

I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the numerous attempts I have made to correct the issue of late open accounts associated with my Credit Bureaus. Despite my persistent efforts, it appears that the matter has not been adequately addressed, and the late open accounts continue to pose a significant inconvenience. 

To provide you with a brief overview of the situation, I have encountered repeated challenges in rectifying the late open accounts linked to my [ account/service ] with your company. I have diligently followed the prescribed procedures, submitted the necessary documentation, and communicated with your customer service representatives on multiple occasions. However, the issue persists, and the lack of resolution is causing undue stress and inconvenience. 

I understand that errors may occur in any system, and I appreciate your efforts to address and rectify such issues. However, the repeated failures to correct this problem have not only impacted my financial standing but have also eroded my confidence in the effectiveness of your company 's customer service and account management processes. 

I kindly request that you conduct a thorough investigation into the matter to identify the root cause of the persistent late open accounts associated with my [ account/service ]. Additionally, I urge you to expedite the resolution of this issue to prevent any further adverse effects on my credit score and overall financial well-being. 

I believe in fair and transparent business practices, and I trust that your company shares these values. I request that you keep me informed of the steps being taken to address this matter and provide a timeline for its resolution. I am prepared to provide any additional information or documentation required to expedite this process. I am asking for your assistance to correct the late open accounts : XXXX XXXX XXXX XXXX XXXX Balance {$44000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX Balance : {$390.00} XXXX XXXXXXXX XXXX XXXX : {$39.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$44000.00} XXXX XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" I am reaching out to address a concerning matter regarding the accuracy of my credit data within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate date that require immediate attention. For matters related to the accuracy of credit reporting, the Fair Credit Reporting Act ( FCRA ) is the relevant law. The FCRA governs the collection, dissemination, and use of consumer credit information, providing consumers with rights to dispute and correct inaccurate information in their credit reports. I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated. 
"
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

N accordance with the fair credit reporting act XXXX  account # 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
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Great American Finance Co (IL)

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I can not have this information in my report, it is negative information, I do not want it under my name anymore. 
XXXX 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 2023-11-14
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)

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 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 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Kikoff Inc. (IL)

To Whom It May Concern : I am writing to vehemently dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by XXXX XXXX XXXX. Upon reviewing my credit report, I discovered that the account was reported as charged off, which needs to be corrected. 


It is important to note that there are no prior missed payments on the account. However, the account is reported as 90 days late for XX/XX/2021. I believe this to be a violation of the XXXX XXXX Reporting Standards, as the account should not be reported as charged-off if there are no prior missed payments. 

I demand that you provide documentation supporting the validity and accuracy of the reported information, including any signed agreements that establish the debt and any other pertinent information. 


Should the investigation reveal inaccuracies in the reporting of the charged-off account, I expect you to promptly remove the 90-day late payment. 

I demand that you respond to this dispute within 30 days, as mandated by the Fair Credit Reporting Act ( FCRA ). Failure to comply may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

I await your prompt attention to this matter. 

Sincerely,