davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-19
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. (PA)

On XX/XX/2023 and XX/XX/2023 I send out dispute letter to XXXX, XXXX and Transunion to validate this information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they failed to provide me with copy of any viable evidence and bearing signature which is a violation of the FCRA. I have the USPS tracking to prove that they received previous dispute letters but did not respond I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (GA)

They have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) Failure to validate this alleged debt. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations
Consumer complaint received 2024-04-18
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. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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. (MD)

Recently I applied for a loan and was denied. At this time I realized that damages/ late payment reporting have been placed on my credit report illegally from Transunion XXXX XXXX and XXXX from the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to this law no damages/ late payments should be on my report. These damages are a defamation to my character.
Consumer complaint received 2024-04-18
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)

THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.
Consumer complaint received 2024-04-18
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. (TX)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-12-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Take note of the attached documents. I want the bureau to commence an investigation into these accounts, as I am consistently on time, but they are incorrectly reporting me as late.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Block, Inc. (WI)

I am not a private citizen to what this pertains to and from the beginning of talking to any governmental body I addressed myself as XXXX XXXX. The account that this matter pertains to has its profile on my end displaying what I want displayed as they give you the option to do so. On our initial verbal contact with the company Cashapp they forced me out of my private capacity to go forward with even addressing the issue that in its self its badgering and illegal. 


I was harmed on both XX/XX/XXXX andXXXX XXXX, XXXX in XXXX  because my financial institution Cashapp who operates out of XXXX XXXXXXXX XXXX let funds go from my account even though I did not have enough funds to make the purchase the merchant displayed one price and charged another. It does not appear to have went through any various of incremental price adjustments. Just flat out charged more than what was in my account. Held my funds pending for days. At times when someone I owed came to collect there money I couldnt pay that person and we got into fisticuffs I received bodily injuring blows and at one point I was having an XXXX XXXX paired with a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I could not remove myself from the situation because my life was being threatened by my body. These transactions technically completed because the merchant had to cancel them. These transactions were completed not peer to peer and was made with their cash card liability belongs to Cashapp without a doubt. I do not have a borrow allowance for sure and stock round ups accumulated or a lack there of because of these transactions being initiated and technically paid to the merchant. If I didnt faint my heart would have arrested completely to my knowledge. All of this has caused me Extraordinary Emotional Distress as well as pain from what I encountered on the days. My body and mind paid and is paying the overdraft fees of these transactions and the app told the truth of the matter despite everything. It didnt expire it was canceled. It wasnt declined because it wouldve never been there to have been released on another day and would read specifically NOT ENOUGH CASH https : //drive.google.com/drive/folders/10fXkGTstNRQjWtYi7dPN0jxtxl5yeMKE information in this link is, to me, quintessential to understanding where I am coming from. 
I have been told that this is a white collar crime and will need prosecution from The States Attorney. I have received personal injury as a result of this company. The XXXX XXXX and XXXX XXXX are already sending me attorneys who cant represent me on a matter they know requires the States Attorney.
Consumer complaint received 2023-12-19
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)

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 name : # XXXX, Account name : # XXXX, Account name : # 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 2018-11-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TOYOTA MOTOR CREDIT CORPORATION (AZ)

I have been fighting with Toyota since XXXX to report my payments accurately. They have been misapplying my payments since XX/XX/XXXX. Applying full payments and/or partial payments to the principle balance without my consent or approval and therefore reporting me negatively on my credit report. They have gone so far to try and repo my car when I was 15 days past due in XX/XX/XXXX. Luckily the truck driver agreed to NOT take my car that night and would come back tomorrow after I explained it was NOT correct and Toyota had NO right to try and take my car. The next day Toyota confirmed they were in the wrong, waived all late fees and explained the account would be updated to show the loan was current and all would be right. 
They proceeded to do collection calls to my cosigner and XXXX year old grandmother telling her the loan was 3 payments past due and scaring her into making a huge payment to bring the loan " current '' even with a DO NOT CALL on file. They continue to call and harass her every chance they get. every time I call they confirm that yes there is still a DNC on file yet they keep violating that! 
On XX/XX/XXXX I called and spoke with XXXX employee number 2NDC who reviewed the file and agreed that YES they were in the wrong, and I ONLY was due for the XX/XX/XXXX payment and that THEY were applying payments to the XXXX payment and I would have a CREDIT of {$13.00} for XXXX. That being said they continue to show me being due for some days 2 payments, some days 3 payments. They called my grandmother again on the XXXX and told her the loan was due for {$2400.00}!!! Thats 4 car payments. The damage this has caused my family is irreparable. The damage to my credit score worse. This prevents me from licensing for my job as a XXXX XXXX XXXX. I have been denied state licensing due to their continuous errors. 
I do not have another 2 years to fight with them to get this resolved. I need help 1. They are not applying my payments properly since the start of the loan 2. They refuse to honor the DO NOT CALL on file and continue to call myself and the co-signer demanding payments 3. They refused to send a copy of the payment history that I have been requesting since XXXX until XX/XX/XXXX XX/XX/2018
Consumer complaint received 2023-12-19
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. (CA)

was the victim of an XXXX breach, which resulted in the theft and unlawful use of my information and left me with a mountain of debt that needs to be fully wiped from my credit report.
Consumer complaint received 2023-12-19
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. (AK)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-19
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. (DE)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help
Consumer complaint received 2024-04-18
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. (GA)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Sections 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these ERRORS be deleted immediately or I will file for litigation due to the stress you caused me.
Consumer complaint received 2023-09-24
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2023-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I have a XXXX dollar charge from freeshipping -XXXX  that I do not recognize. I do not know what this charge is. It had been recurring. I tried to call numerous times and I am put on hold and nobody ever answers. I want all charges reversed.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-01-17
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. (CA)

Credit report agencies did not do a thorough investigation. I got my results back, and the credit reporting is not accurate as it should be according to the FCRA. 

All accurate information should be reported to the credit reporting agencies or it should be updated or removed immediately if investigation was not properly investigated and as a result, this is harming my credit report please remove this account immediately. 

There is different information being reported with the three credit agencies, and it should be accurate all the way across-the-board please remove.
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

XX/XX/2022 {$240.00}, I've reach out to cash app and filed a dispute however they do not have a customer service number, so I had to send a messages through a chat to contact them. But, no one responded and I wasn't able to get a refund.
Consumer complaint received 2024-04-18
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. (TX)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-04-18
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. (FL)

On different occasions I have disputed with the company XXXX and TransUnion regarding a XXXX XXXX XXXX XXXX XXXX account that incorrectly appears on my XXXX and TransUnion credit report without having an effective response to the request, and I even made an identity theft report. that I also sent but it is observed by experian and transunion that they did do so. not carrying out an efficient investigation to determine that the account that appears on my credit report from XXXX XXXX XXXX XXXX XXXX does not belong and even the address mentioned, this gives rise to thinking that it is information that belongs to another person or that I was a victim of theft of identity, this information is affecting me since it hurts me to apply for my mortgage loan. I have been very responsible and pay all my bills up to date and this is demonstrated by other accounts or other companies like XXXX and that is why I request that this account be incorrect. appears on XXXX AND TRANSUNION be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i.
Consumer complaint received 2023-12-19
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. (MS)

This violation of 15 US Code 1681i ( 5 ) ( B ) ( i ) ( iii ). This item was initially deleted for inaccuracy and then you reinserted it back into my credit report without notifying me in writing within 5 days afterward. I demand you delete this account immediately. 


Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (OH)

XXXX XXXX XXXX XXXX from XXXX 's in the amount of {$29.00}. I did not receive my entire order. I contacted XXXX, and they refused to do anything to make it right. I disputed the charge with my bank, and they denied the dispute.
Consumer complaint received 2023-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was informed by XXXX XXXX XXXX XXXX XXXX credit card taken in my name with a balance of {$7000.00}. I never had any accounts of any kind with XXXX XXXX. I reported the matter to XXXXXXXX XXXX. I received a XXXX XXXX letter dated XX/XX/2023 acknowledging my claim of fraud and stating that no further action on my part is required. 
I received no further information and the XXXX XXXX  balance continues to appear on two of three bureau reports. 
XXXXXXXX XXXX will not work with XXXX XXXX to resolve the matter. 
I filed an FTC fraud report, which includes a copy of the police report with XXXX police that I filed. 
I made repeated calls to XXXX XXXX. On one call, made more than 10 business days ago, I was told I would receive a letter from XXXX XXXX. I received no letter. I can not find from XXXX XXXX  what the letter is supposed to say, or how to resolve the problem.
Consumer complaint received 2024-04-18
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-18
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX