davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX 2. XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-12-17
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. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2021-05-10
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern, I have tried to get in touch with the XXXX XXXX XXXX repeatedly about this situation. They are currently reporting an account on my Credit Report without verifying my information like I have asked them to do. I have sent multiple letters asking for verification of any contracts bearing my signature and they have failed to provide that proof. They continue to " verify '' my account with the credit bureaus but have failed to share the documents that they are verifying these accounts with.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2023-04-04
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. (MD)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-17
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)

Personal information Name XXXX XXXX XXXX Also known as XXXX XXXX XXXX Generational identifier - Year of birth XXXX Addresses XXXX XXXX, TXXXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX  correct information above not correct : XXXX XXXX XXXX XXXX, TXXXXX XXXX XXXX, TXXXXX Unknown payment history {$44.00} Balance updated XX/XX/XXXX Account info Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement Account name XXXX Account number XXXX Original creditor XXXX XXXX XXXX XXXX sold - Account type Open account Date opened XX/XX/XXXX Account status - Payment status - Status updated XX/XX/XXXX Balance {$44.00} Balance updated XX/XX/XXXX Original amount - Paid off 0 % Monthly payment - Past due amount - Terms - Responsibility Individual account Your statement now equifax : same
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to formally dispute the presence of unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these particular inquiries from my credit report, as they adversely affect my creditworthiness.
Consumer complaint received 2022-10-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

A company by the name of Portfolio Recovery calls me everyday looking for a XXXX. I have told them time and time again that there is NO XXXX at my number. Then they ask for my information and hang up when I tell them it is not needed to remove my number from their records. I have told them to stop calling and that I will report them. Now they call and do not leave messages and hang up when I answer. I know it is them because if I call the number back it states on automatic response that it is Portfolio Recovery. I have no outstanding debt, no credit cards to my name and no unpaid medical bills.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

n 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, Transunion, 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 informatyytion, 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 2019-04-01
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NM)

In Spring of 2018 a fraudulent purchase was made on my JC Penney Credit Card. I called immediately when I noticed to the customer service and they said they would fix right away. Instead of fixing- they deactivated my credit card, then replaced with a new one- transferring the full balance of the fraudulent charge ( and all that was listed on the account was " Balance Transfer '' not detailed out like before ). I then called AGAIN to see why my balance wasn't fixed, and I was then told when I made the last purchase- which was not my purchase, and that they wouldn't fix. I refused to pay anymore to the store card, which has now hit my credit report as a charge off, and late balances have accrued. I would really like this off of my credit report and fixed immediately, as it is affecting my ability to get student loans for my XXXX XXXX XXXX. It has caused my credit to drop which I have been in the process of fixing over the past few years ( I have 100 % payment on time, etc ).
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America transferred somebody else 's charge account to my name and address some time in XX/XX/2021 but I did not realize this until hearing of the law suit. On XXXX, I received a court summons from the Bank of America suing me for not paying the other person 's {$13000.00} delinquent account. I called Bank of America on XXXX & XXXX to open a fraud alert but their representative said I could not, due to it being over a year old. I never made any of the claimed purchases. 

On XXXX, I mailed a complaint letters to the Florida Attorney General and to the Florida XXXX XXXX XXXX XXXX, Division of Financial Institutions. On XXXX, I open a local police investigation. On XXXX, I mailed a complaint letter to the Office of the Comptroller of the Currency, XXXXXXXX XXXX XXXXXXXX. On XXXX, I hired an attorney to represent me in court.
Consumer complaint received 2023-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem.
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Consumer Telecom & Utilities Exchange, Inc. (IL)

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Consumer complaint received 2019-09-19
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: Experian Information Solutions Inc. (NJ)

I have recently been harassed and called by multiple debt collectors in an attempt to retrieve payment for a debt that I have never had prior knowledge of or gave consent for anyone to open on my behalf. Ive notified the creditor of the debt that I have no responsibility to the account and that it was opened fraudulently and needs to be removed but I have not had any success in resolving this matter thus far.
Consumer complaint received 2021-02-18
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: Bread Financial Holdings, Inc. (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX  XX/XX/XXXX, Comenity Bank/XXXX XXXX, and XXXX XXXX. The Account Opened is XXXX XXXX XX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Comenity XXXX/XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi Team, Someone tried to submit the loan application behalf of my name and details and id and they submitted my id not sure from where they have pulled my details to apply a loan with XXXX XXXX XXXX. 

please help me.
Consumer complaint received 2023-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been with Bank of America for XXXX years. 
I recently ordered a new credit card. 
I tried to make a purchase on XXXX and got a fraud alert on my phone. 
I approved I made the transaction and was told to make it again Again card is blocked and I had to call fraud Fraud released my card AND TOLD ME I SHOULD TRY AGAIN. 
again, the bank blocked my card but now demanded I got to a branch physically. 

I called a supervisor in the morning then they released the card. 

Then I went to XXXX XXXX to make the purchase again. Physically this time, with my credit card, XXXX XXXX and my ID. 
Again my card is blocked Again I answer yes it was me on the phone Again its blocked. 
Again I call fraud explain the situation. 
Again, THEY GIVE ME BAD INFORMATION AND TELL ME TO USE THE CARD. 
Again bank blocks my account and this time blocks my online banking. 
Forcing me to go to the bank. 
I go to the bank thinking itll be a quick process. I spent apporx XXXX HOURS (!!!!! ) in the branch to get the matter resolved. 
We make sure everything is ok. 
Only to have MY ACCOUNT BLOCKED AGAIN. 
Fraud refusing to tell me why my account was blocked telling me no one is allowed to talk to me until I go to the bank. 
BANK TREATS ME POORLY TELL ME TO WAIT IN LINE AFTER ALL THR CUSTOMERS DESPITE THE FACT I HAVE TO LEAVE FOR XXXX WEEKS THE FOLLOWING DAY. 
I SPEND XXXX (!!!!! ) MORE HOURS IN THE BRANCH. 

Initially they refuse to tell me why my account was blocked again until they finally confess that someone made a mistake and didnt document things properly that I was identified with XXXX forms of ID. 
XXXX also told that my card was blocked at XXXX XXXX since I used XXXX XXXX instead of the physical card, where their own Fraud Rep told me its ok to use the card again. 

Bank should be forced to compensate me for my time since this was their own mistakes and misinformation that lead to this chain of events, plus wasting my time twice for the same thing due to their own negligence.
Consumer complaint received 2018-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Fl XXXX XXXX cell XXXX email XXXX XXXX a XXXX to Trans Union and XXXX for doing Ana amazing job. You guys stopped identity thift from happening and fixed my credit reports. For some reason XXXX  bank line of credit, XXXX  card, XXXX card. Not showing up on ether of them. Would like to see them on there. Please. Far as XXXX you still have the identity theft. You still showing XXXX  credit card, XXXX XXXX XXXX XXXX joint account, XXXX XXXX XXXX joint account, 2 accounts from XXXX XXXX XXXX XXXX. XXXX  dose not have my XXXX bank line of credit on there as well.
Consumer complaint received 2019-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

My loan was transferred from XXXX to XXXX XXXX XXXX, and all paperwork was lost. They are quoting that I owe more than when it was transferred, although I have paperwork from XXXX from 2016 on what the loan amount was. They are nothing but XXXX when you call to try to get any information, and they have told me numerous times that files and records were lost when they took over XXXX.
Consumer complaint received 2023-09-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.
Consumer complaint received 2022-11-07
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. (TX)

Upon reviewing my credit report during the month of XXXX i identify several inquiries that i had never authorized. they are : Settlement, XXXX, XXXX mortgage reporters, settlement XXXX Data, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX. 
I have called Transunion, and XXXX, i have also sent a letter to XXXX. till now no answer
Consumer complaint received 2019-06-10
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bass & Associates, P.C., Attorneys at Law (MI)

I was unable to select my true issue in the options provided. 
My student loan has entered default in XX/XX/2019 I have tried to contact the collection agency to make payments FOR MONTHS I will wait on the line for HOURS and can not get through I have read several reviews on XXXX from other consumers stating the same issue I just want to reinstate a payment plan for rehabilitation of the loan! 
Please advise!
Consumer complaint received 2023-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (LA)

On XXXX I paid {$100.00} from my checking account to my PayPal card. It cleared my bank on XXXX. As of today, XXXX, PayPal still has my money pending. According to them, it should have posted on XXXX, then they changed it to XXXX! My money is still not available to me as of XXXX.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.
Consumer complaint received 2019-02-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In early XX/XX/XXXX, I mailed investigation requests to the credit bureaus, asking them to look into three accounts reporting incorrect information on my credit report. XXXX  responded two weeks ago, but I have yet to hear back from XXXX  or Trans Union.