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

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-17
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)

PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.
Consumer complaint received 2023-12-12
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)

XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by XXXX CFR XXXX and XXXX XXXX XXXX. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with XXXX party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to XXXX XXXX XXXX
Consumer complaint received 2023-06-12
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: EQUIFAX, INC. (AR)

I am submitting my complain for you to know that I am a victim of identity theft. The XXXX credit Bureaus required to remove these inaccurate information that are not belongs to the owner but yet they haven't to do so. Since it is a requirements by law XXXX of the FCRA, I'm sending my letter certified mail to help establish a legal course. If you choose to not remove the following inaccurate items, I will be handling my attorney to start legal actions against you. These fraudulent items I've mention should be delete as soon as possible : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17
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. (LA)

I just recently looked at my credit report from TRANSUNION on XX/XX/2024. I saw some Hard Inquiries that did not have Permissible Purpose. I also attached evidence : 1. XXXX XXXX XXXX XX/XX/2024 : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B 2. XXXX XXXX XXXX XXXX : This inquiry has no Permissible Purpose to be on my report. Delete this inquiry due to violation of 15 USC 1618B
Consumer complaint received 2023-06-19
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: NAVY FEDERAL CREDIT UNION (FL)

I reviewed my credit report and it shows 3 hard inquiries that Im currently unaware of. Ive attempted to get in contact with creditors regarding matters but have been unsuccessful.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are 2 accounts from Dept of EdXXXX opened in my name on XX/XX/2023. One for {$3000.00} and another for {$1700.00}. I have never had a student loan in my life. I went to the XXXX XXXX XXXX XXXX from XXXX on a football full scholarship.These two accounts showed up on my credit report and I was given their number to reach them. When I called I was kept on hold for an hour and 36 minutes then it appeared as someone was taking the call then disconnected me. I contacted Transunion and XXXX and both advised that I contact the FTC and file a police report for identity theft, fraud, and whatever else I could think of against the Dept of EdXXXX XXXX . I filed a dispute with the credit reporting agencies and it stated the accounts are mine. I am XXXX XXXX XXXX and have been with the same financial institution for 15 years as a XXXX XXXX XXXX.I can provide whatever is needed along with picture ID. I am 100 % sure that the Dept of EdXXXX can not provide my same information. Please help!!!
Consumer complaint received 2023-05-05
Product: Credit card or prepaid 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 (AR)

In XX/XX/XXXX I had a charge from XXXX  for XXXX that was supposed to be refunded. Unfortunately it was never refunded. I provided evidence that it was supposed to be refunded via an email from XXXX. I opened a dispute in XXXX proceeded to prove via email and also provided the transaction ID and tracing information. The dispute was ruled in favor of build. 

An additional purchase was made with build for XXXX for a dishwasher in early XXXX, a dishwasher. This was delivered but defective/damaged and returned during the delivery. XXXX stated it was not returned. No additional evidence could be provided, but again was ruled as a valid transaction via discovers dispute process.
Consumer complaint received 2018-11-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

Good afternoon, Can you please advise me on how I can file a complaint about an overcharge by XXXX XXXX  during my reinstatement on XX/XX/2017. The judge allowed XXXX in attorney fees and they charged me {$54000.00} plus {$5000.00} in committee fees and would not reinstate the loan at the final hour unless I paid that amount in full. The next day they were going to have an auction for the sale of the house so I was forced into paying that amount so I didn't lose the house that I owned for 20 years. I have reached out to the bank but they strung me along and refuse to pay me back. I just got a notice that XXXX XXXX sold the bank to Peoples United Bank. Both banks are located in Connecticut. This might be why they didn't feel it was necessary to pay me back. 

When you review the documents you can see they even charged the amount from the morning of XX/XX/2017 from XXXX to {$59000.00} Thank you in advance for your help with this unfortunate situation.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2023-12-12
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. (MD)

I demand the listed accounts be removed. I have not given consent, authorization or written instruction or permissible purpose. I have also not been given opportunity to opt out. This is a violation of federal law, state law, and public policy. These are also violations on the XXXX specifically section 6050i, 6050p, 7203. These are also criminal violations of 18 usc 2, 18 usc 1341, 18 usc 1348, 18 usc 1349 as well as violations of the FCRA for inaccurate and improper reporting and the GLBA and FDCPA. Both data furnishers and consumer reporting agencies are in violation of the law, and I am giving opportunity to cure. The following accounts must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention into this matter. 
PLEASE BE ADVISED THIS IS NOT A REQUEST FOR VALIDATION. 
THIS IS THE DEMAND FOR REMOVAL OF INFORMATION IMPROPERLY PLACED ON MY REPORT.
Consumer complaint received 2023-12-11
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. (NJ)

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent errors and inaccuracies. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.
Consumer complaint received 2023-12-11
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. (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 : DEPTEDXXXX  Account Number : XXXXXXXX  Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2018-11-26
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. (UT)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.
Consumer complaint received 2023-12-11
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 HAVE DISPUTED INACCURATE/FRAUD CREDIT CARD ACCOUNT THAT IS REPORTING ON MY CREDIT REPORT. CREDIT BUREAUS WAS GIVEN XX/XX/45 TO PROVIDE PROOF FROM INVESTIGATION THAT THEY USED TO SAY THE DEBT WAS VERIFIED. CREDIT BUREAUS REFUSE TO PROVIDE ME WITH INVESTIGATION RESULTS OR TO REMOVE THE XXXX COLLECTION FROM XXXX XXXX XXXX XXXX XXXX AMOUNT OF {$26000.00}.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

ON XX/XX/2023 I DISPUTED FALSE INACCURATE INFORMATION ON MY CREDIT REPORT. THE CREDIT BURUEA RESPONDED STATING THEY HAVE VERIFIED THE DEBT. I THEN RESPONDED BACK ASKING FOR VERIFICATION PROOF FROM THE INVESTIGATION OF THE DEBT WHICH WAS IN THE AMOUNT OF {$26000.00}. THE CREDIT BUREAUS REFUSE TO SEND IN PROOF OR REMOVE THE INACCURATE/FRAUDULENT ACCOUNT FROM MY CREDIT REPORT.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My social security has been stolen and i see on transunion that someone on florida is using my social security! I live in XXXX never traveled to florida i had call the police in XXXXXXXX florida and theres an investigation going on i filed a dispute i did everything i can i want to make sure my social not being use by nobody else with different adress i only live in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and shows 2 numbers thats not mine these are the numbers XXXX XXXX XXXX  So what are we able to do here there has to be done something this is fraud! Are you able to call the police and inform them as well?? Or whats going ti be done here because this is unacceptable!
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2023-04-13
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)

My credit report is loaded with errors. I will not accept or recognize the allegations and claims within the report as true without further evidence, which meets both federal AND state requirements for reporting. I've tried to fix the problem with the credit reporting agencies by letting them know the information that was inaccurate in my credit report. THEY HAVE BEEN NO HELP. I WANT THIS PROBLEM FIXED. I WANT THE INACCURATE INFORMATION REMOVED FROM MY REPORT.
Consumer complaint received 2023-12-12
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)

I was added as an authorized user many years ago to my sisters XXXXXXXX XXXX XXXX XXXX card ( acct ending XXXX ) when doing a home remodel project. When I refinanced my home in XX/XX/XXXXXXXX  I called to be removed because a high balance was being reported. I was informed I was removed as an authorized user and the acct would be deleted from my credit file. When I applied for a mortgage on a new home in XX/XX/XXXXXXXX  I was informed that the acct was still on my credit. Both my sister and I called to ensure I was removed again, they informed me I was removed and said they would mail a letter to confirm. We never received a letter. While applying for a HELOC last month XX/XX/XXXXXXXX  my credit report now has derogatory information from this acct as it has since gone delinquent and been charged off. On Thursday XX/XX/XXXXXXXX  I was told I would need to have the primary account owner call and remove me and it would be removed. My sister, XXXX XXXX, whose account it is called and they said I was removed and would send a letter as confirmation. Today, as part of the closing on my heloc, a 3rd party company called with me on the line to confirm I was removed and have no liability to this account and was informed I was not removed and can not be removed because the accts now closed. Ive disputed with the credit bureaus but it has yet to be completely deleted from my credit profile.
Consumer complaint received 2023-12-12
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-11
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)

XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. Both XXXX and Transunion report no late payments. Transunion reports 5 late payments. Transunion has not even investigated. This needs to be updated to PAYS AS AGREED NEVER LATE. 

XXXX XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no even entered a notice of dispute. They have refused to investigate. The payment has never been late for this account. Please update account PAYS AS AGREED NEVER LATE. 

XXXX XXXX - XXXX I have disputed this account on XX/XX/XXXX  and XX/XX/. They have no investigated. They have not entered a notice of dispute. They have not validated account. This needs to be deleted immediately.
Consumer complaint received 2022-10-26
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (PA)

On XX/XX/2023 The Credit bureaus stated XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my writen instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.