davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-08
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. (MS)

Under 15 U S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists Child Support Court as the furnisher that's forgery and misleading when the courts don't report this type of account.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 section 602 A States I have the right to privacy 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 other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX : XXXX ; U.S. Department of Education XXXX XXXX XXXX XXXX Formerly XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX Dept of Human Svc XXXX : XXXX ; US Dept of Education : XXXX
Consumer complaint received 2023-02-24
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: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX have conspired against consumer by adding negative remarks. This is a response just for you two
Consumer complaint received 2023-05-26
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. (FL)

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


Delete or remove these accounts off my consumer report, DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I DID NOT GIVE INSTRUCTIONS OR CONSENT, I DO NOT WANT THESE ITEMS ON MY CONSUMER REPORT! NOT HAPPY! Please respect my privacy and the laws!
Consumer complaint received 2023-07-31
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)

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. 

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-31
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)

I am writing to file a formal complaint against TransUnion, a nationwide credit reporting agency, for their severe violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and California Consumer Law. I seek validation of the disputed items on my credit report, not mere verification, and TransUnion 's response dated XX/XX/2023, has failed to address this request appropriately, resulting in significant financial and emotional harm. 

In their response letter, TransUnion acknowledged my dispute and emphasized their commitment to ensuring an accurate credit report. However, their response solely focuses on verification actions, rather than providing the validation I requested. I must emphasize that verification and validation are distinct processes, each with specific legal obligations under the FCRA, FDCPA, and California Consumer Law. 

The FCRA, in 611 ( a ) ( 1 ) ( A ), grants consumers the right to dispute any information they believe to be inaccurate or incomplete. Upon receipt of such dispute, credit reporting agencies like TransUnion are obligated to conduct a reasonable investigation, as stated in 611 ( a ) ( 1 ) ( B ), to determine the accuracy of the disputed information. Furthermore, 611 ( a ) ( 1 ) ( A ) allows consumers to request " verification '' of the debt, while California Consumer Law recognizes the right to request " validation '' of the debt. 

Validation, as defined by California Civil Code 1788.50 ( g ), requires the debt collector or credit reporting agency to provide the consumer with specific information about the debt, including the nature and amount of the debt, the name of the original creditor, and verification that the consumer is responsible for the debt. 

Despite this distinction, TransUnion 's response solely addresses verification actions and neglects to provide the necessary validation I requested. This failure to adhere to my request for validation is a clear violation of my rights under the FCRA, FDCPA, and California Consumer Law. 

Moreover, the response letter lacks transparency and fails to provide adequate details regarding the investigation conducted. The vague and ambiguous statements from TransUnion deny me the opportunity to assess the accuracy and completeness of their investigation, further undermining my rights as a consumer. 

As a direct consequence of TransUnion 's violations, I have suffered substantial financial and emotional harm. The inaccurate reporting has unjustly denied me credit opportunities, resulting in adverse effects on my financial standing and overall lifestyle, as previously explained in my dispute to XXXX.
Consumer complaint received 2023-05-19
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SYNCHRONY FINANCIAL (DE)

Because the account has been affected or spammed, access has been denied. I have had these accounts since XXXX and have documented federal tax returns thru XXXX. Approximately I had a total amount of XXXX deposited in Synchrony Bank. Most everything is done on line or by phone.
Consumer complaint received 2021-01-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (NM)

I have had a Brinks prepaid MasterCard since XXXX of last year. Without warning I was told that risk management was closing my account and would not explain why. I called back several times to push the issue and was told that they did not have to explain to me why my account was closed. They consistently let charges that I disputed before go through and then closed my account for suspicious activity. I was so upset. Because I disputed charges should not be grounds to close my account. Furthermore I was told that I could never open a net spend account again I had to a file formal complaint of identity theft with the FTC and wonder if I am being unfairly dealt with because of it. 

Does this have any negative affects on my credit??? 

How can I be sure that this company is truly legitimate? 

I also believe that charges that should not have been charged are due to me. Including fee over charges. 


Please advise. 

XXXX XXXX XXXX XXXX  XXXX XXXX, NM XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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)

Subject : Complaint Regarding Disputed Fraudulent Accounts on Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unresolved dispute of fraudulent accounts that have appeared on my credit report. Despite multiple attempts to resolve this matter directly with the credit bureaus, I have not received a satisfactory resolution, and the disputed items continue to negatively impact my creditworthiness. 

Below are the details of the fraudulent accounts that have been inaccurately reported on my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have diligently disputed these accounts with the credit bureaus on multiple occasions, providing all the necessary documentation and evidence to support my claim of fraud. Despite my efforts, the results have been unsatisfactory, and the disputed accounts remain on my credit report, causing significant harm to my financial reputation and creditworthiness. 

I am deeply concerned about the implications of these inaccuracies on my ability to secure credit, obtain favorable interest rates, and achieve other financial goals. As a responsible consumer, I have consistently maintained a good credit history, and these fraudulent accounts do not reflect my financial behavior accurately. 

I kindly request the CFPB to investigate this matter thoroughly and take appropriate actions to resolve the dispute in a fair and expeditious manner. I am confident that the evidence I have provided demonstrates the fraudulent nature of these accounts, and I am eager to have my credit report corrected as soon as possible. 

Enclosed with this letter, you will find copies of the relevant documents supporting my dispute, including but not limited to : Copies of correspondence with the credit bureaus regarding the dispute. 
Proof of identity and ownership of the accounts in question. 
Any additional evidence related to the fraudulent nature of the disputed accounts. 
I trust that the CFPB will act as an impartial mediator in this dispute and ensure that my rights as a consumer are protected. I am eager to cooperate fully with any additional information or documentation required to facilitate a prompt resolution. 

Please acknowledge receipt of this complaint and inform me of the next steps in the investigation process. I would appreciate regular updates on the status of my case and a final resolution as soon as possible. 

Thank you for your attention to this matter. I look forward to a fair and satisfactory resolution of this dispute.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from XXXX. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2023-03-08
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-03-08
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. (FL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2023-01-12
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Credit bureaus are reporting a bankruptcy that they state has been verified. I contacted the court house and they stated that they dont report nor verify to the credit bureaus or third party agencies therefore they need to remove it from my credit report.
Consumer complaint received 2019-02-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NC)

Ally financial has reported incorrectly on my credit I have been paying them every month an the only I was late was in XXXX due to hurricane Florence hitting us hard here in NC an I got it situated in XXXX when I call they speak very rudely to me. They are also reporting different information to all 3 credit bureaus Ive disputed the information a few times and they have failed to correct the information.
Consumer complaint received 2021-01-12
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO. (NY)

This is in regards to my account with XXXX XXXX XXXX Account # XXXX. The reason for this complaint is in regards to a late pay reporting in XX/XX/2020 and XX/XX/2020. Due to Covid I was unable to make the payment which caused me to be late. As soon as I was able to I got the account paid up.
Consumer complaint received 2023-07-31
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. (GA)

As a consumer, I am once again requesting a detailed explanation of all the steps your agency undertook to ensure the 100 % accuracy of the reported items, as mandated by 15 U.S.C. 1681i ( 7 ) - Method of verification - Description of reinvestigation procedure. According to this section, a consumer reporting agency is required to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher if reasonably available. This description should be provided to the consumer by the agency within 15 days after receiving a request from the consumer for that information. I expect full compliance with this request.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have XXXX student loans that were transferred to XXXX from the US Department of Education or XXXX, but when I look into my credit report there is a different name that I have never heard in my life ( XXXX XXXX XXXX ). Model is no longer showing on my TransUnion credit report. My student loans needed to get off my credit report and forgiven because I filed bankruptcy and it is still on the credit report.. I called the company for this information or to get this remove, I called XXXX and they would not help me about this issue. I requested these charges to be remove from my credit and I received an email stating I requested the dispute to be remove but when I called they tell me that this was not done and the investigation was completed within XXXX days. They said the information is true and accurate.
Consumer complaint received 2023-03-04
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. (NJ)

In accordance with The Fair Credit Reporting Act the list of corporations/accounts Below have validated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602a States I have the right to privacy. 

XXXX XXXX for {$650.00}. 
XXXX XXXX for {$1400.00}. 
XXXX XXXX for {$750.00}. 
XXXX XXXX XXXX for {$880.00}. 
XXXX XXXX XXXX  for {$100.00}. 
XXXX XXXX delinquent account. 

15 USC 1681 section 604a section 2 States a consumer reporting agency can not furnish a account without my written instructions or consent.

15 USC 1681 C ( a ) ( 5 ) States no consumer reporting agency may make a consumer report containing any of the following items of information.any. adverse items of information other than records conviction or crimes antedates by the report by more than 7 years.

15 USC 1681 s - 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 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (TX)

On the evening of XX/XX/24, I was ordering flight tickets on XXXX XXXX site. As I went to pay for the tickets, they showed an add for the Citi AAdvantage Platinum Select card. The add showed the total price of my tickets and said if I applied and was immediately approved, I could charge these tickets to the card and get a {$400.00} statement credit so that my tickets would be {$400.00} less. I applied and was immediately approved, but was not provided a card number to charge the tickets to. ( See attached screenshot of the ad which convinced me to apply for the card ) I have spent most of the day of XX/XX/24 calling various Citi numbers trying to get a virtual card number to charge the tickets to, but no one provides any help. They say that they can not get a virtual number for me and I have to wait 7-10 days to get the card and then I can use it. By then, the tickets may no longer be available or may be much more expensive, so this is a lousy option for me. I asked everyone how to escalate my concerns since I need to charge the tickets now and everyone I talked to said there is no way to escalate the issue. One rep told me to call XXXX, but XXXX just said they don't handle the cards and it is Citi 's issue. 

The only thing I can do now is charge the tickets to a different card, which will mean I don't get the {$400.00} credit promised and I won't get the other perks, like free checked bag, on this trip. I find this completely unacceptable -- I would not have signed up at all if I knew I could not use the card for this trip. 

I am very upset with Citi for their inability to resolve this. One of the reps said I may not have received the virtual number if I had pop-up blockers on. If that is so, I am sure this has happened to many others and they have to have a way to resolve this. It is ridiculous that they can run a credit check on a person, issue them a card and then not let them use it while they are advertising that you will be able to use it immediately. 

I am also not very happy with XXXX XXXX that they would partner with Citi and put that in the check-out section to entice customers to get the card and then have no way to use it as advertised.
Consumer complaint received 2023-03-03
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. (NJ)

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 XXXX XXXX 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 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 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.