davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been requesting verification of the following public records that TransUnion continues to report on my credit file : XXXX tax liens : Docket # : XXXX and Docket # : XXXX. TransUnion continues to fail to provide me with the documents and the name and contact information for the " vendor, '' " source, '' or " company '' that was used to " verify '' the information as I requested. 
TransUnion 's investigation results include the following statement and I quote : " the information was collected from public records sources by TransUnion or a " company '' we hired. '' Exactly what company did they hire and what source did they use? They fail to even include the " company 's '' information such as name, address, and contact number on the dispute results that I received. I did not authorize TransUnion to receive any information about me from the " unknown '' company that they claim to have hired for verification. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting on my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. 
XXXX XXXX XXXX, XXXX, XX/XX/2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' I request and demand that these XXXX tax liens : Docket # : XXXX and Docket # : XXXX are permanently deleted from my TransUnion credit file due to being unverified accounts IMMEDIATELY.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2022-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions or accounts to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These are addresses and inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete these inquiries I do not have these accounts nor ever applied for them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attached are documents from my credit report with the inquiries shown. Also there is a copy of my XXXX XXXX claim number along with other documentation you may need to handle this matter promptly as possible. 

I have tried to get these removed multiple times but they were not because they are tied to fraudulent closed accounts the fraudster used.
Consumer complaint received 2015-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have tried to open a dispute with transunion online but it went nowhere. 
I had a collection account on my reports from " XXXX XXXX XXXX XXXX, XXXX ''. I paid them and on XXXX XXXX, 2015 they agreed to remove the accounts because there had been some issues with the reporting. I got this in writing as well in case there were any issues. XXXX and XXXX removed it quickly but 7 months later, it is still on transunion. I am attaching a copy of my letter from the collection agency.
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (FL)

On XX/XX/2023 I sent out certified letters to all XXXX credit bureaus ( Experian ) ( Equifax ) ( XXXX ) requesting that they send me information that was validated. All Credit Bureaus failed to validate all information that was requested in 30 days. These accounts continue to reappear without any validation. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (SC)

Hello, I had a balance on my Chase XXXX credit card carried over from a prior month. During the month of XX/XX/XXXX I made {$1600.00} in cash advances. I then made a payment before the end of the billing cycle for {$6000.00}. Chase did not apply any of the {$6000.00} toward the cash advance. They applied it to the balance that was on the account at the start of the billing cycle. They claim that the cash advance would have to carry over to next months statement before the additional payment would be applied. So if I had waited XXXX more days to make the payment, they would have applied the payment to the higher apr balance. This is not the way I thought the law was written to protect consumers. I read it that it is applied to the highest apr balance first ( nothing mentioned about billing cycled ended ).
Consumer complaint received 2023-02-07
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account 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 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2015-11-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

I have been a Chase customer for 15 years. I have XXXX accounts with them, including XXXX accounts with direct deposit. Every so often on a Thursday night, I have to pull money from an account I have with them to insure against any potential fees since my deposits take place on Friday mornings. I did so this week by pulling over {$400.00} to an account which was cutting it close. My check came in the next morning for around {$3500.00}. I still was charged with a pair of {$34.00} insufficient funds fees because in the mixed bag of electronic deposits and debits a few of the latter slipped in before the deposit and I was penalized. I went through XXXX levels of customer service reps the next morning and each said I was not eligible for any other fees being forgiven due to this happening before. It seems in the matrix of electronic transactions, it 's the credits that always get processed last. I told them they were going to lose a 15 year customer and six accounts for the sake of {$68.00} and they did n't shed a tear. I know they have to follow certain guidelines but is there any personal touch any more? How ridiculous. Every level I went I got the same company line.
Consumer complaint received 2023-02-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX  ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  for the cancelled debt in order to file as ordinary income. Where is my 1099-C XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and Equifax are not an affiliate of XXXX  nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2022-10-13
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)

STUDENT LOAN ACCOUNT WITH XXXX ACCOUNT NUMBER XXXX WAS OPENED IN THE YEAR XXXX, 22 YEARS AGO NOT BY ME I HAVE SENT NUMEROUS DOCUMENTS INTO XXXX, AND TRANSUNION, ITS NOW XXXX AND THESE CREDIT REPORTING AGENCIES ARE STILL REPORTING INCORRECT INFORMATION ... THE FOLLOWING DOLLAR AMOUNTS ARE BEING REPORTED {$2600.00}, {$1000.00}, {$1400.00} {$1400.00} {$820.00} {$2200.00}
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I have never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Consumer complaint received 2022-11-07
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Experian credit reporting agency failed to properly investigate and provide XXXX documentation to the creditor which resulted in irreparable harm to the consumer. 
On XX/XX/2022 a request to investigate a fraudulent account reported by XXXX XXXX  was requested to be investigated. Additional documentation was provided to Experian through experience upload documentation system. This information was relayed to the representative for Experian which intern, placed the consumer on hold as a research to find the documentation. Whats the documentation was located, the dispute was initiated. 
On the same day that the dispute was initiated, a email was sent out stating the following : We can not process your dispute online please contact us below or Experian dispute specialist are available to assist you. It also said to use report number XXXX XXXX. I found this to be very peculiar because my dispute was done over the phone with an agent. My dispute was not at any time conducted online for two reasons, Experience dispute system does not allow you to submit any items pertaining to fraud online. So there is no way that request couldve been submitted. 

Secondly, the other items that were removed and deleted were submitted under Fraud at the same time. So its impossible for half of the request to be submitted and the other half not to be submitted. 

Is gross negligence is a failure by Experian Reporting agency to properly investigate this item pertaining to fraud and, to properly submit new pertinent information that was uploaded to Experian pertaining to this fraudulent account. 

Failure by experience to properly maintain my file has cost me irreparable harm that I am financially suffering from today. 

Failure to properly investigate this report, and provide documentation to the creditor so that this could be resolved the way the system intends it to be has created a gross violation of the FCRA fair credit reporting act. 

His account has been sitting on my credit report for the sole reason that Experian failed to properly provide documentation to the creditor pertaining to fraudulent item disputes in accordance with the fair credit reporting act and fair credit debt collection act. 

The documentation speaks for itself. It shows that XXXX XXXX  clearly stating they never received any fraudulent Documentation that was uploaded to Experian. Experian never provided the information and this is validated by the simple fact that XXXX XXXX  as clearly stated they didnt receive anything from them. Therefore a proper investigation was never done and never properly completed.
Consumer complaint received 2022-03-16
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: Experian Information Solutions Inc. (MI)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX
Consumer complaint received 2022-10-13
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. (PA)

XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/22 On XX/XX/22 a XXXX XXXX XXXX and XX/XX/2XXXX XXXX XXXX were reported as an inquiry to my credit report. So, I filed a police report to report this inquiry to Transunion and XXXX. XXXX removed this inquiry but Transunion refuse to remove it. I contacted Transunion around XXXX to see why they are not removing the inquiry. They said in order to remove the inquiry XXXX must filed an FTC report in order to remove the inquiry. As XXXX went by, I contact a Customer Service on XX/XX/22 about the XXXX XXXX XXXXXXXX inquiry. They told me they haven't received it even though which was confusing, but the ladies will file an investigation on what happen to the letter, so they are telling me they are waiting on my FTC report. So, I sent another FTC form that same day and I have a receipt to prove that I sent it and the post office say they should receive it on XX/XX/22. I contacted Transunion today XX/XX/22 about any updates and they told me they received the FTC form on XX/XX/22 and they say it was declined because it didn't have a date on it. Now the last time I call the rep say they didn't have it and now they had it since XX/XX/XXXX and was declined because of no date which is false because it is a date on the form. So, I'm becoming impatience and ask to speak to the supervisor, and she is saying now I need to get a letter or Form from XXXX XXXX XXXXXXXX that I have to send to Transunion now to move forward. I knew something was up and the Supervisor will not remove my inquiry. I contact them again and I told the rep you are telling me you can not removes this inquiry but according to Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. The Customer Service do not want to answer and kept saying the supervisor said we can't remove this inquiry. So, when I told him can you please answer my question yes or no, he hangs up the phone. The Transunion customer service reps did not want to help solve my issue just to only give me the run around by adding more things in order to remove my inquiry. I want to file a complaint.
Consumer complaint received 2022-10-13
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)

XXXX, XXXX and Transunion have violated my consumer rights by continuing to report late payments on my consumer report after I notified them by letter. Please see accounts listed below : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX According to 15 U.S.C 1681a ( 2 ) consumer reports does not include transactions or experiences between the consumer and the person making the report 15 U.S.C 1681b ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose By law, the consumer reporting agencies have clearly violated my consumer rights by adding my experiences to my consumer report, not ever having obtained my written instructions to furnish my consumer report to a third party and by treating my open ending credit transaction as a late payment