davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair credit reporting act XXXX XXXX XXXX whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning an individual. 

I sent a letter asking them to reinvestigate these accounts listed below because, XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 

XXXX XXXX Account number XXXX open date is not reporting correctly, date last active, date last payment is not correct and overall this account is not accurate. 
Can you please review these accounts for any inaccuracies across the 3 bureaus i would like these accounts removed for false information immediately. Please send proof of the reinvestigation of these accounts because the information provided show several different dates and account balances According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
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. (TX)

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 XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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 2023-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (CT)

Was sent a letter that they are looking into it. 
However I sent inf to the identify fraud please see attached paperwork the card was used for transferring money in a XXXX scam.the info was sent to the FBI cyber unit. And the XXXX XXXX
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have called several times to obtain copies of the legal documents that they obtain the debt lawfully, and they have the original statements that verify the account history/age/first delinquency, etc. They have said every time they sent it but I never received it. It seems to me that they are playing hard to get since there are only a couple of months left until they can not longer report the accounts to my credit report because it's going to be 7 years since I became past due.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This complaint is in regard to inaccurate, not applicable information being reported on my credit report. With respect to 15 USC 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2023 there is some inaccurate and not applicable personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. PLEASE SEE ATTACHED.
Consumer complaint received 2023-05-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (AL)

I did a title pawn with Title Max the end of 2021 I been paying them for over a year the interest is {$320.00} a month I only pawn my title for {$2500.00} with the interest they charge me I know I have pay the {$2500.00} back but they are still holding my title saying in order for the interest to go down i got ta pay over the interest rate that is crazy because the lady did not say that when I pawn my title I been getting played in my interest is still the same I really need yall help before I lose my car
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. (TX)

This inquiry was made not with my knowledge. I have filed a FTC Identity Theft report so both inquiries need to be removed from the 3 credit agencies under the 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( A ). the information was blocked in error or a block was requested If the inquiries arent removed. I will take legal action as I have my identity theft report from the FTC as well. Thanks
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. (TX)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY (NY)

I opened a home equity line of credit ( can be used similar to a credit card, against the value of my home ) with TD Bank a few months ago. My limit was XXXX. The only transaction I did was for the amount of XXXX, to pay off my remaining mortgage and home down payment. When my first statement arrived in my home, the balance stated over XXXX. More than XXXX was spent by someone else, using my card that TD Bank said they had mailed to my home, but I never received the card. Somehow, these people activated my card and used it on a spending spree all over the city -- at many ATMs to withdraw cash, XXXX, and many luxury goods stores along XXXX XXXX in XXXX. Since then, as they asked, I filed a police report ( that I will attach ), and it 's been over 6 weeks. TD Bank will not return the funds to my account. They are in a never-ending state of " We are still investigating '', but meanwhile I can not use that balance in my account for business matters. It is causing me great XXXX to have this hanging over my head.
Consumer complaint received 2023-12-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope this letter finds you well. I am writing to formally dispute and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 

XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I am confident that there is an error in the reporting of these late payments, as I have diligently maintained timely payments on these accounts. To support my dispute, I have attached relevant documentation, including payment receipts, bank statements, and any other necessary records that clearly demonstrate the payments were made within the specified timeframe. 

Thank you for your immediate attention to this matter. I look forward to receiving confirmation of the correction and a copy of the updated credit report.
Consumer complaint received 2023-01-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MN)

Between XXXX and XXXX I attempted to modify my loan with Wells Fargo prior to foreclosure. They did not respond to my requests. The company was fined on XX/XX/XXXX by CFPB for this lack of response to consumers. I'd like to know if I can apply for restitution from the funds that are being collected from Wells Fargo due to their short comings. 

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)

Pursuant 15 U.S.C 1681c-2 the request to block and delete the following fraudulent accounts is not made in error. Attached is my identity theft report.

Delete and block the following fraudulent accounts XXXX XXXX Account XXXX Balance {$2400.00} open XX/XX/XXXX XXXX XXXX XXXX account XXXX balance {$2300.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2400.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2300.00} date open XX/XX/XXXX XXXX XXXX  account XXXX date open XX/XX/XXXX balance {$1000.00}
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE (IN)

Original purchase date was XX/XX/XXXX. The bank failed to ever send us any documentation which would allow us to obtain plates from the XXXX. 

Loan was paid in full in XX/XX/XXXX. The bank has since failed to release the title ( as of XX/XX/XXXX ). 
Weve had more than a half dozen phone calls with Huntington over this period.
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 — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

I contacted JPMCB Card of a hard inquiry on credit report that I did not authorize. Hard inquiries were done on the following dates : XX/XX/XXXX and XX/XX/XXXX. JPMCB Card has no personal information or no data of the inquiry. I requested a letter from JPMCB Card to change my credit report but I was told that since there was no personal information in JPMCB Card data base, they would not be able to help me. I was directed back to the reporting agency but they will no correct this fraud.
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. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-12-12
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. (GA)

From XXXX XXXX these has been a hard inquiry that is in accurate on my report XX/XX/XXXX for the amount of XXXX these are hard inquiries I did not authorize XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX for the amount of XXXX in accurate /hard inquiry I did not authorize XXXX XXXX XX/XX/XXXX /XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 these are unauthorize inquiries and would like them to be remove from my credit report they are affecting my credit report
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Credit Bureau 's Transunion and XXXX has my name and address wrong reporting. I tried to dispute with both companies and they saying its verified and correct but my ID clearly shows what it is. I also sent in my ID in but they still have not corrected the situation. I was a victim of IDENTITY theft and the names that is not right should be deleted asap!
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately.
Consumer complaint received 2022-10-26
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: Experian Information Solutions Inc. (CA)

Contacted credit reporting companies and let them know the info on all my accounts are wrong. Not all info is the same like dates opened active or closed. Some haven't reported anything. 30 days later, 1 reporting agency ( equifax ) said they concluded their investigations and everything is correct and its not. XXXX has not responded and Experian responded with " investigation completed '' and the info is still wrong. Aren't all reporting agencies suppose to have the exact same info? 
XXXX BANK ( CLOSED DATES DONT MATCH ) XXXX  MORTGAGE ( CLOSED DATES DONT MATCH, HIGH BALANCE ) XXXX XXXX XXXX XXXX DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) XXXX XXXX XXXX XXXX XXXX XXXX, LAST ACTIVITY ) XXXX XXXX  MORTGAGE XXXX ( CLOSED DATES, LAST ACTIVITY DONT MATCH ) XXXX XXXX XXXX XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE ) XXXX XXXX XXXX XXXX XXXX XXXX CLOSED DATES, LAST ACTIVITY, TERMS, HIGH BALANCE, LOAN TYPE, ALL DONT MATCH ) XXXX  XXXX ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE DONT MATCH ) FIRST XXXX  ( CLOSED DATE, LAST ACTIVITY, HIGH BALANCE, DONT MATCH ) XXXX FIRST XXXX  ( CLOSED DATES, LAST ACTIVITY, HIGH BALANCE DONT MATCH )
Consumer complaint received 2023-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

15 U.S. Code 1681b - Permissible purposes of consumer reports a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a + court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before 566 a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written 380 instructions of the consumer to whom it relates. 

XXXX - XXXX Last updated XX/XX/XXXX Balance {$1400.00} Account Details DEROGATORY Account Type Telecommunications/Cellular Credit Type Open Account Opened On XX/XX/XXXX Closed On XX/XX/XXXX Ownership Individual Current Balance {$1400.00} Highest Balance {$1400.00} Original Amount {$1400.00} Term - Remaining Term 0 months Monthly Payment - Hard inquires I would love to have deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

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.
Consumer complaint received 2023-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

I am writing to inform that WELTMAN, WEINBERG & REIS CO., LPA is a debt collector and Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including WELTMAN, WEINBERG & REIS CO., LPA. WELTMAN, WEINBERG & REIS CO., LPA decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ).
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. (TX)

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 XXXX XXXX
Consumer complaint received 2023-12-12
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. (GA)

Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately. 

Inquiries reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX