davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TRANSUNION is reporting negative items from XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
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. (FL)

I disputed the error in my TransUnion credit report and despite providing evidence that the debt was previously settled, TransUnion is still not correcting the error. 

Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file giving my version of the dispute so I demand that TransUnion LLC add this to my file under the erroneous information.
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 : THE BANK XXXX XXXX MI XXXX Account Name : XXXX BANK XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state 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 crime 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 2022-11-14
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: EQUIFAX, INC. (GA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 section 602A.States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

i sent XXXX  and transunion a second request about the inaccurate items that they are reporting incorrectly on my credit report on XXXX.1st letter was sent to the main office and the 2nd letter went to the corporate office.I haven't heard anything from them as of yet and i have attached copies below.
Consumer complaint received 2024-06-11
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. (AZ)

i have recently discovered that someone has been using my personal information to obtain goods and services using my personal information, i am a victim of identity theft. please assist with my claim as i am uploading documents to support my claim on identity theft. 
thank you
Consumer complaint received 2024-06-11
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. (CA)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XX/XX/XXXX
Consumer complaint received 2020-11-11
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. (TX)

I reached out to TransUnion via mail on XXXX XXXX. I have previously opened a case against them because it has been well over 45 days and they are continuously giving me excuses and are not removing incorrect information. 

I received a response from TransUnion with case number XXXX that basically said they 1. XXXX DID receive my original correspondence on XX/XX/2020 ( delivery stamp ) and it took them extra time to process ( 15 days ). How is this in any way helpful or my fault? 
2. TransUnion DIDNOT confirm, verify, or delete any of the information i requested. This is against the law and TransUnion should be fined {$1000.00} for each account they are reporting incorrectly. 
3. TransUnion suggested that if something is appearing on my credit report incorrectly i should contact the creditor of the closed account thats showing delinquent that is not mine? 
This statement alone breaks so many laws. TransUnion is obligated by law to verify each account on my credit report. In addition they are obligated by law to remove ANY account that is not 99 % accurate from my report. Furthermore, TransUnion is violating the FCRA consumer rights by neglecting my request and openly breaking the law multiple times. 

I have attached my first letter dated on XX/XX/2020. TransUnion needs to do the math and realize they have gone way beyond the window of investigation. This none sense needs to be deleted immediately. 

I do not want to hear any excuses.
Consumer complaint received 2023-07-13
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. (TX)

I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error, and promptly rectify it by eliminating the unauthorized inquiry from my credit report.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Please see the attached FTC Report and remove the account XXXX XXXX from my credit report. I have already tried to fix this with the credit bureaus, and they failed to conduct a thorough investigation. If they had, they would have known that the company is not credible and that each of the bureaus were reporting different agency names for the same account. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc.
Consumer complaint received 2017-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IL)

COLLECTOR WENT ON MY CREDIT REPORT WITHOUT FURNISH 30 DAY NOTICE AND IS A INVALIDATED DEBT INQUIRY OM MY  XXXX . FAILED TO CEASE AND DESIST.
Consumer complaint received 2017-05-28
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. (GA)

While reviewing my credit report I saw a credit inquiry from  XXXX  wireless on  XXXX / XXXX /  XXXX   that was NOT authorized by myself. I made contact in writing and by phone to  XXXX  explaining to them to investigate and delete from my credit report. They sent a letter back stating that they have no way of deleting and for me to make contact to the bureau and they will go about disputing. I made contact to TransUnion attaching the letter that was sent to me by  XXXX  stating to investigate the inquiry and delete because this was not authorized by me. I received a letter back from TransUnion basically explaining what a inquiry was with no explaination of what I sent to them. They did n't even acknowledge the inquiry at hand. And also telling me to contact  XXXX . I 'm being told by both parties to contact  one  or the another and no one is willing to take resposibility. This is unlawful and is against my fair credit reporting act. Letters attach.
Consumer complaint received 2020-11-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc. (VA)

I found this debt under the name of Receivables Management on behalf of XXXX XXXX on my credit report. I disputed through the credit bureaus this debt because I had not received any information from Receivables Management about the collection items and there was dispute with XXXX XXXX about how they had billed the insurance initially. Receivables Management responded that the debt was valid and did send me information in the mail about the debt. This dispute was filed approximately 90 days ago. 

I am now in the process of obtaining a mortgage loan and would like to resolve this debt and contacted Receivables Management on XX/XX/20 and spoke to one of their front line collections agents. They stated to me that because I had disputed the debt, they were not able to assist me and I would have to speak to their supervisor line to resolve the issue. I called back using the number provided and immediately had to leave a voicemail. The voicemail stated that I would receive a phone call in 24 to 48 hours. Since they did not specify business hours, I waited until Tuesday XX/XX/20 to follow up and called back and had to leave another message. After not receiving a call, I called back on XXXX/XXXX/20, and again, had to leave another message. I called and spoke with another frontline collections agent, who again told me they could not help me, but would try to get a supervisor. All they did was transfer me again to the voicemail for the supervisor line. 

I am attempting in good faith to resolve these items. I am want to pay them and I want them removed from my credit bureau report, but the company is making it difficult to do that. They are creating an unfair situation that is having a negative impact to my credit score. This could be seen as a violation of the Fair Debt Collection Practices Act. They are penalizing my ability to pay this debt solely because I disputed the debt initially and that is per their collection agent 's statement.
Consumer complaint received 2024-03-20
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 : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX and 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 2020-11-11
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 (CA)

Thank you for taking time to read this. The total amount charged was {$11000.00} in XXXX of XXXX. The online travel agency XXXX was supposed to provide a discount to which it did not so we initially disputed the discount amount of XXXX  XXXX. Due to the pandemic, XXXX went out of business in XXXX of XXXX without providing a service nor refunding that amount. Now we are trying to recover the {$11000.00} but because of the initial dispute for a smaller amount Discover wont dispute it nor provide us with credit even though more than a hundred pages of evidence supported the refund. Discover has even agreed that I should be refunded this amount but has not done so. It is un fair to be out nearly {$12000.00} for something that we couldnt control. It has been almost a year. Please help our family CFBP. Thank you kindly.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

The information that would reflect positive has left off my report such as a paid off home paid off bankruptcy paid off car inadequate severely negativity is on there when uploading proof they say they have not gotten it or it won't upload when sent they claim never received I keep explaining myself twice over and never get a positive answer nor solution. I worked hard and gave up a lot of money to correct my issues and I still have a poor score which has gave me higher interest rates or flat out denial of credit..I want the corrections made I have lived in the same house for 20 years got the letter paid in full XXXX XXXX congratulations gave up thousands of dollars to pay off my bankruptcy just to still see a poor credit score not fair when creditors look and see all the negativity how can I ever get ahead of all of it. Why do we have credit bureaus if they will not have current and correct information and all I hear is we understand NO they do NOT because it isn't them being effected it is me and my daughter being a single mom after an life threatening injury trying to get back on track in my life I can't and I gave up all that revenue to fix the main issues all for nothing. I need help
Consumer complaint received 2023-05-09
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)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Adjustment Company Incorporated (NY)

XXXX XXXX sent my account to collections. They stopped taking my auto pay and the park never opened for the season due to covid-19. I disputed the amount owed and they agreed to remove a large portion of the balance and to give me credit for the next season as I essentially would be paying for service that was paused due to the pandemic. The corrected amount was sent to the collection agency and reflects when I log in but the collection agency will not allow me to pay the balance in full. I have attempted several times since the adjustment was made and every time it asks me to pay a minimum of {$100.00} on a balance of {$93.00}. Initially I was told by the creditor that it would just take a little while for their system to update to reflect the right amount. It has been a month and it still will not allow me to pay the balance in full. Any and all derogatory information against me should be deleted. I disputed the debt, the amount was corrected, their system then demanded I pay more than the full amount due. This is unfair and deceptive way to collect monies not even due. I am unhappy with how I have been treated by the original creditor and their collection agency. Again zero services have been rendered due to covid 19, I agreed to pay an amount in return for a future credit in 2021, the collection company system is demanding I pay more than the amount it even shows on their system than I owe. I took prompt action when I was notified, disputed the debt and they are trying to ruin my good name and my credit while I am in the process of making a large purchase. The practices of the CACI collection agency are very shady.
Consumer complaint received 2023-06-07
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: EQUIFAX, INC. (AZ)

XXXX XXXX Equifax were under 30 days to investigate public record on my person credit I was supposed to obtain.of verification accounts verified I have letters from court. 
houses again and again saying that they do not give information. 
to 3rd parties like credit bureaus or anyone for that matter. Many people have even called. 
the courthouses to receive that information and knowledge. 
that the credit bureaus cant obtain FULL socials and addresses and bankruptcy information. 
So, how does a credit bureau get this information? 
XXXX XXXX is and has been on as security freeze since XX/XX/2022. I have both documentation from both XXXX XXXX and bankruptcy court saying the information had and will never be disclosed from them. so once again you have failed to disclose the VERIFIED account in 30s days. this yet another UNverified account and has lacked the 30-day investigation period to verify because of which I would like all public records that are unverified off immediately including bankruptcy and dismissed bankruptcy. if the full name full address and copy of original documents with full social is not provided this is a verified public record and i would like it off.
Consumer complaint received 2020-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I submitted an online dispute regarding ( Inaccurate and misleading address information ). 
This information has not yet been nullified. The following information needs to be corrected and deleted from my report : 1. My apartment number ( XXXX ) needs to be added to my current address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX is being report incorrectly and missing information and should be deleted from my report 3. XXXX XXXX XXXX # XXXX XXXX, NC XXXX this item is an out dated personal mail box, misspelled and outdated and should be deleted from my report.
Consumer complaint received 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BBVA FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I requested a credit balance of {$770000.00} be sent to me. At his recomendation, the customer service rep stated that he could transfer the funds to my XXXX account on file. This account was used to send monthly payments to BBVA. I never received the funds at XXXX and had to contact them again. I was advised that the rep never should have attempted to send the funds to XXXX because it was an " external ' account. BBVA could only send credit balances to an internal account which I did not have. OK, the only other option was to mail the check to me via regular mail. I was told it was mailed on XX/XX/XXXX and still have not received it. I called at least 3-5 times and was always told the issue was " escalated '' ; no supervisor spoke to or called me as promised last evening. BBVA can not or refused provide me with any tracking mechanism to determine where this check is. I am constanly being told to wait. No cut off date is given to me whereby they could stop payment if check is lost, issue a new one, and use some sort of courier service ( XXXX, etc. ) to ensure I receive it. 
I WOULD APPRECIATE RECEIVING MY MONEY! 

XXXX XXXX
Consumer complaint received 2024-01-17
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)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2022-11-14
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: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.