davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-16
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 have had a loan previously with this company XXXX. It was a personal loan of XXXX I opened back in XX/XX/XXXX paid off XX/XX/XXXX. I never missed a payment with them, yet, it doesn't show positive account pay off. 
They also have listed another XXXX loan that was taken in XX/XX/XXXX. That depending on my credit report there is one or no payment made to this account. Then it went to CO. I did not take a loan out during this time, nor did I use XXXX. Later that account, this information was sold to another company. So, my information was shared to yet another company without my knowledge or consent. I have been doing credit research and working with credit repair companies ( XXXXXXXX ) since XX/XX/XXXX. I have sent letters and made calls to XXXX. I'm redirected to this new company that I have never had any communication with. I receive no response. And I have had only further and greater impact to my credit and lifestyle.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

During the XXXX time, the bank was charging fees for overdrafts, monies out of my control, and more. They put a hard watch and I would have to call every Wednesday for them to release MY child support that they would hold until I called. I was always put on hold for them to release MY money. I feel I should be compensated for the emotional distress and MY money being held in my account. They charged me overdraft fees that should not have been charged at the time of XXXX. I was unemployed to to my job closing down during XXXX.
Consumer complaint received 2023-07-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-02-16
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. (CA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2021-01-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2023-02-16
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. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX A XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX3000.00} ; 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 XXXXXX/XX/XXXX.
Consumer complaint received 2021-01-08
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. (CA)

I applied to rent an apartment today XX/XX/21 and sadly I was not approved because my credit report came back with several accounts in bad standing. I looked through my report and many of those accounts are not mine. Theres accounts from many different companies that I am not associated with in any way ; I never allowed anyone to open any of those accounts on my behalf nor did I benefit anything ( money, goods, services ) as a result of those accounts being opened in my name. I have took it upon myself to file a police report as well as a complaint with the Consumer Financial Protection Bureau in hopes of getting this resolved and clearing my name.
Consumer complaint received 2023-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are multiple accounts on my report that are outdated. Additionally, there are accounts that are in collections illegally showing a balance. I requested for these accounts to be investigated and deleted yet they have failed to do anything.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, I am a federally protected consumer, holder in due course, attorney, for any and all derivatives thereof for the surname/given name and I have been appointed and accept being the XXXX both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX, and autograph as the agent and administrator in fact. Notice, it is a fact that, I, agent for principal XXXX XXXX and XXXX, have reason to believe and do so believe, I the consumer, owe no such alleged debt ( s ). Notice in Fact, I, agent for principal XXXX XXXX and XXXX, have never signed a CONTRACT or PROMISSORY NOTE with PORTFOLIO RECOV ASSOCIATES. Notice, it is a Fact, that, I, agent for principal XXXX XXXX and XXXX, am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit herein. Notice in fact, I demand these items stop being furnished on my consumer reports or pay me {$4300.00} for every minute they've been reported on my behalf. Notice, it is a fact, without an affidavit response with rebuttal, point for point, then I am conditionally accepting your non-reasonable response, as frivolous, and I will file fault judgement in the favor of interest of I the consumer, holder in due course, attorney, and administrator in fact. Notice, it is a fact and I, agent for principal XXXX XXXX is aware, an unrebutted affidavit stands a truth in commerce. You have 15 days from the date of delivery to respond to this notice. Should there be dishonor in the aforementioned requested documentation by way of unrebutted affidavit, failure to disclose requested documents, or failure of response, and the particular requests to rectify any fault by PORTFOLIO RECOV ASSOCIATES herein, will serve as acquiescence and your agreement to a default judgment against your company for the dishonor in the negotiable instrument, bank fraud, creation of the false and deceptive form, mishandling of goods, compromising my relationship with other financial institutions and including stress caused to me in the attempt of exercising my rights in good faith. However, I do in good faith expect you to handle these matters with ordinary care to address all subject matter.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (CA)

i called XXXX XXXX XXXX XXXX on XXXX and did not allow me to close my account. 

i also do a chat on the website and they did not close my account on XXXX. 

they will not allow me to close me account until i travel 2000 miles to a location branch in texas to close my account.
Consumer complaint received 2021-01-08
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: Experian Information Solutions Inc. (MO)

I sent certified letter to validate a debt with XXXX XXXX on XX/XX/2020. After 30 days I didnt receive an response from them so I dispute it with Experian on XX/XX/XXXX and sent proof of my receipt! They after a few weeks said it was verified as correct and would stay on my. I called today and got the runaround with getting hung up on acting as if cant hear me transfers then I spoke with an agent who was professional yet rude and unhelpful and in so many words said they wouldnt take it off my credit report and cant provide me with information they verified as correct to keep on report! Im at a lost I followed protocol but neither will do anything to help! Ive had full financial assistance from hospital stays so I need proof of where and the debt is???
Consumer complaint received 2023-02-16
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. (CO)

In accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under U-S-C 1681. 
Account name : XXXX XXXX XXXX Account number # XXXX Account name : XXXX XXXX XXXX Account number # XXXX Has violated my rights. 
15 U-S-C 1681 Section 602 A- stat 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 Instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, any other than records of conviction of crimes which antedates the report by more than seven years.

15 U-S-C- 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. I am a natural person, I am a living human being I have right under 15 U.S.C 1681.
Consumer complaint received 2023-07-14
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-02-16
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-28
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. (LA)

I did not provide the credit reporting agencies with written permission to report any of these accounts listed and I am requesting the removal of these accounts from my credit reports. This is a violation of 15 U.S Code 1681b ( a ) ( 2 ).

By definition a credit card is described in 15 U.S Code 1602 ( I ), my SSN, ID, Etc is a credit card by definition. I did not provide any of the listed companies with consent to share my credit card information ( ID, SSN, etc ) with another entity i.e the credit reporting agencies. This is a violation of 15 U.S code 1681s-2
Consumer complaint received 2024-03-21
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. (SC)

XXXX, Transunion and XXXX have violated my consumer rights and I demand these items be removed immediately from my consumer report. They have violated 15 USC 1681 ( a ) ( 4 ) Right to Privacy & 15 USC 1681b ( 2 ) Permissible purpose of Consumer Reports. These 3 companies have violated my privacy by displaying inaccurate and negative items on my report and then sharing it with others. I never gave either company written permission to report anything on my behalf let alone share it with 3rd party. By law it states they must have written permission from the consumer to report anything on their behalf.

Also i am seeking {$2000.00} from Experian, {$1000.00} from Equifax and {$4000.00} from transuinon as they are in violation of 15 USC 1681n-Civil liability for willful noncompliance. I have reached out to all three companies to remove unauthorized inquiries from my reports. According to 15 USC 1681n ( a ) ( 1 ) ( b ) Any person who willfully fails to comply with any requirement imposed under this subchapter with r
espect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( b ) in the case of liability a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I have suffered for to long and my livelihood has too. I tried to reach out to the XXXX companies to resolve this matter before coming here. My next step is litigation.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX XXXX Have reported to XXXX that I owe them XXXX. I have never took out a rental with XXXX  but they been calling me.

I would like to speak with XXXX. I need signatures on documents. That were done by me. Not a PDF online but actually signed documents.

Ive been a victim of identity theft and I want to make sure I am covering grounds. Before I have to pay anything to anybody.
Consumer complaint received 2023-07-14
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. (CA)

There are non-mailable addresses on my credit report and they do not belong there. They were never my addresses : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Transunion sent a letter on XX/XX/XXXX File # XXXX stating they will not delete inquiries on Consumer report. Consumer has a police report on file since XXXX and Transunion has confirmed but will not acknowledge police report stating the inquires will remain on Consumer report for 2 years. 

Transunion continues to fail to acknowledge they are the furnishers and is not reporting accurate information from identity theft. 

Violations 15 USC 1692k {$1000.00} per violation
Consumer complaint received 2023-03-28
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. (NY)

Its been over thirty days, and the creditor has not updated the information nor has provided proof or documentation in regards to a late payment. They have not supplied this information and they must delete this alleged late payment on my credit report. Under federal law they had thirty days to complete the investigation, and by failing to do so the item must be deleted as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX -LATE PAYMENT ON XX/XX/XXXX XXXX
Consumer complaint received 2023-02-16
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. (NC)

I am writing to inform you that there are several accounts on my credit report that should not be there. I have attempted to contact the companies and the consumer reporting agencies to investigate this matter, but I have not been successful. 

I would be grateful if you could review this issue and help me in getting the accounts removed from my credit report. Any assistance you can provide would be much appreciated.
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (NC)

Hi, Im just reaching out to report that shein the company hasnt been very helpful after my package had not arrived but marked as delivered I reached out to them to ask them if they could do something about it they did an investigation after waiting for 3 days I gotten no answer but just a question mark (? ) and I contacted and contacted but they just dont want to refund me I made a dispute with my bank already this is a complaint hoping my bank could resolve my issue. To get my money back.