davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00}.
Consumer complaint received 2023-09-14
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. (TX)

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. In the event that 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

To : Whom it may concern, Lets start emphasizing I'm a Citibank customer since I was XXXX XXXX XXXX and now I'm XXXX. I have never had any problems with money being stolen in any way until now. 

I'm a victim of scam on my business account with Citibank, In which we are going to clarify, I did not have any call, no msg, no email from Citibank asking if any of those transfers were being made by me. 

-Dates for the transfers & amounts : XXXX {$7000.00} + service charges {$17.00} dollars XXXX {$7000.00} + service charges {$17.00} dollars XXXX {$7000.00} + service charges {$17.00} dollars total of {$21000.00} US Dollars The transfer was made out of the country according to their investigation, the money was transferred and taken out! " What a surprise is the target of scammers '' I spoke to a Citibank representative who told me Citibank determined that they are not going to return my money because according to them I gave information that helped the scam. 

I asked to speak to a Citibank supervisor to re-open and asked to re-open my cases, who instructed me to send a letter to : XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
( I sent the letter more than a month ago and I still have not received any notification from Citibank. ) PLEASE HELP!!
Consumer complaint received 2023-03-12
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. (FL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX XXXXXXXX XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau Dispute, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX XXXX XXXXXXXX. 

Upon information and belief, XXXX XXXX  XXXX received notification of my credit bureau dispute. XXXX XXXX  XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX XXXX Account. 

Upon information and belief, XXXX XXXX  XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX XXXX XXXXXXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX XXXX XXXXXXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX  XXXX XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX  XXXX Accounts to third parties.
Consumer complaint received 2024-04-10
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)

I reviewed my Consumer Reports from TransUnion, XXXX XXXX etc. and noticed my account with inaccuracies that I was never seen. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never had inaccuracies like this for XXXXXXXX XXXX XXXXXXXX account XXXX Please investigate and provide Proof with statements If proof can't be provided, I demand these payments be updated to on time as they should be as I was never Late. Thank you.
Consumer complaint received 2023-11-19
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. (MO)

I asked the Credit Bureau to do a verification of my credit report and they did and stated that everything was accurate. i did a thorough research myself and i found improper inaccuracies on my credit report. 
In accordance with the Fair Credit Reporting my rights and account have been totally violated, according to 15 U.S.C 1681 section A, ( states I have the right to privacy. 15 U.S.C 1681 section 602 A ; ( states consumer reporting agencies can not furnish a account without my written instruction. 
Please check for the inaccuracies in the accounts below. 

XXXX account numberXXXXXXXX XXXX XXXXXXXX account number : XXXXXXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX XXXX XXXX account XXXX
Consumer complaint received 2024-04-11
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. (MO)

I comprehend that under FCRA 605B, it's crucial to eliminate any incorrect accounts from my credit report. Would you mind examining the documents? I've observed that numerous of the listed accounts appear to be inaccurate, which is causing me concern.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent a dispute to the major credit bureaus disputing the inaccurate information on my credit report regarding XXXX  XXXX, account number XXXX. 

Despite the clarity and detail provided in the Credit Bureau XXXX, the Account continued to appear on my consumer report with inaccurate information. 

Upon information and belief, the credit bureaus forwarded my Dispute to XXXX  XXXX. 

Upon information and belief, XXXX  XXXX received notification of my credit bureau dispute. XXXX XXXX did not conduct an investigation, contact myself, contact third parties, or review underlying Account Information with respect to the disputed information and the accuracy of the XXXX XXXX Account. 

Upon information and belief, XXXX  XXXX failed to instruct the credit bureaus to remove the false information regarding the XXXX  XXXX Account reporting on my consumer report. 

The credit bureaus did not conduct an investigation, contact myself, contact third parties, or review underlying account information with respect to the disputed information and the accuracy of the XXXX  XXXX Account. 

The credit bureaus employed an investigation process that was not reasonable and did not remove the false information regarding the Account identified in my Dispute. 

At no point after receiving the Credit Bureau Disputes did XXXX XXXX and/or the credit bureaus communicate with me to determine the veracity and extent of my disputes. 

The credit bureaus relied on its own judgment and the information provided to them by XXXX  XXXX rather than grant credence to the information provided by myself. 

The credit bureaus published the false information regarding the XXXX XXXX Accounts to third parties.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I contacted XXXX XXXX that says it's a debt collector. I received a letter from XXXX saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Weber & Associates, Inc. (OK)

Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account Type : Collection Agency/Attorney Account Rating : Payment After Charge off/Collection. Portfolio Type : Collection Owner Of Account : Individual Original Creditor : XXXX XXXX XXXX XXXX Placed in XXXX XXXX Last Verified Date XXXX XXXX XXXX Amount Owed {$1500.00} Past Due Amount {$0.00} Last payment {$0.00} Last Payment Date N/A. This is what is showing in my credit report. I have never been to a clinic or hospital of such for services, this account was was opened fraudulent. It could be someone stole my identity.
Consumer complaint received 2024-04-10
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'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments. I did not miss any payments
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed this account with XXXX XXXX for the past several months about inaccurate information they are reporting on my credit report. I have been ignored and never receive a response per FCRA. This damaging inaccurate account is hurting my score.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I did not give these company permission to put anything on my credit report such as inquire and charge off. 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 I would like all negative 's report removes for my privacy.
Consumer complaint received 2024-04-10
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. (PA)

XXXX ) XXXX XXXX # XXXX. XXXX ) XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXXXXXX  all ( 3 ) are in violation of multiple laws set forth by Congress for reporting accounts illegally to Trans Union, XXXX and XXXX. 

15USC 1681b ( 2 ) states in accordance with the. written instructions of the consumer to whom it relates, I have never provided written permission for such accounts to be reported on my consumer report.

Additionally, 15 US Code 1681s2 ( e ) ( 1 ) ( A ) states that a person shall not furnish any information relating to a consumer ( XXXX XXXX XXXX ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.I have never received any form of notice to opt out of my non public personal information to be shared with unaffiliated third parties.I have a right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, non verbal per 5 U.S. Code 552a per the FCRA as a federally protected consumer may have given you written, non written, verbal and non verbal per 15 U.S.C.6802. I shall also point out their responsibility pursuant to 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after a notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is ( ii ) the information is in fact inaccurate.

Remove these accounts immediately : XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Additionally, FCRA 604 ( a ) ( 2 ) states a credit reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-29
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. (IN)

I don't recognize and I didn't authorize the following inquiries on my consumer reports. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Please remove this inaccurate information. 
Thank you. 
XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/year> my account for XXXX XXXX XXXX XXXX  account # XXXX was removed from my XXXX credit report and in accordance with fcra information should be the same across all accounts and verifiable so this account should be removed from trans union and experience as well
Consumer complaint received 2024-04-11
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. (TN)

I am writing this complaint because upon review of my credit report and consumer disclosure reports, I noticed an account on my credit report associated with a company called XXXX XXXX XXXX was being re-aged. The last time I paid on this account was back in the year XXXX between the months of XXXX or XXXX. The account was charged off on XX/XX/XXXX. Currently the date of last activity reports that I have been active on this account as of XX/XX/XXXX which is factually false, misleading, and inaccurate. This account has been exposed to fraudulent activity and I want it blocked and removed from all consumer reporting agencies immediately! It violates the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) and FCRA section 605 for identity fraud. The account number for this account is XXXX.
Consumer complaint received 2024-01-05
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: EQUIFAX, INC. (MO)

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove a charge-off from my account with your company. I believe in fair and transparent financial practices, and I have been diligent in addressing this matter through various channels without resolution. 

I have made multiple requests to your customer service department, both over the phone and in writing, seeking assistance in rectifying the charge-off on my account. Unfortunately, despite my efforts and numerous promises from your representatives, the charge-off remains on my account. 

This persistent issue has not only caused undue stress but has also negatively impacted my credit score and financial well-being. I have attached copies of previous correspondences, including reference numbers and dates, for your review and reference. 

I understand that errors can occur in financial transactions, but the lack of resolution after repeated attempts is unacceptable. As a valued customer, I expect timely and efficient resolution to rectify this situation. 

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the charge-off on my account. 
Provide a detailed explanation for the failure to remove the charge-off despite previous assurances. 
Take immediate steps to rectify the charge-off and update my credit report accordingly. 
Provide confirmation of the resolution in writing, including the expected timeframe for completion. 
I expect this matter to be resolved promptly, within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXXXXXX Balance : {$3800.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I got a copy of my credit report. That has all XXXX credit bureaus at the same time. I looked at XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX that's reporting on TransUnion. This account is inaccurate, incomplete, and reporting wrong payment status information. 
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking TransUnion to do a Reinvestigation on account XXXX XXXX XXXX. TransUnion then sent their investigation results saying the account needed NO CHANGE ( 3 TIMES ) According to 15 U S C 1681i 5 They are suppose to UPDATE, MODIFY, OR DELETE the account.

According to 15 U S C 1681 e b - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 U S C 1681 s-2 Reporting information with actual knowledge of errors. A person shall not furnish 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. 

TransUnion really did not reinvestigate. They lied on an official document saying they did something that they did not actual do. I have evidence to prove my case. See all attachments documentations.

On all 3 investigation, TransUnion never updated the dates. Indicating that they did perform a update on such date or dates. They reporting inaccurate payment status of 30 days past. When the two other credit bureaus are reporting current and never late.
Consumer complaint received 2024-04-10
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. (CA)

I am not liable for any debt with XXXXXXXX XXXX  nor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX, and XXXX, Resulting in the Deletion of this item from my credit file
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (TX)

Hello XXXX XXXX XXXX I file my taxes XXXX XXXX in my money went to seve/ XXXX XXXX XXXX got the alert my money was in my account XX/XX/XXXX in the got alert that they took XXXX plus XXXX XXXX XXXX XXXX XXXX from my account in serve had everything to do with they not doing anything about it the locked my account cause it was some unauthorized transaction that did in they gave out my information to different they didnt protect my identity at all Im thinking they going to something about it nothing in I want to file a complaint on serve prepaid card they address is XXXX XXXX XXXX XXXX American Express Amex serve card