davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit information belonging to someone else witha similar name has been reporting to my Transunion credit report. 

XX/XX/22 and XX/XX/22 disputes were filed with Transunion : XXXX XXXX XXXX XXXX XXXX REMOVED ( belonging to XXXX XXXX XXXX ) XXXX XXXX Personal Loan REMOVED XXXX XXXX XXXX XXXX XXXX alias name REMOVED Some of the addresses associated with the unknown alias were also removed. 

I provided a substantial amount of identy documentation to Transunion that proves we are not the same person ( Birth Cert, SSC, Drivers License, Lease ). 

XXXX XXXXXXXX XXXX XXXX  responded to dispute immediately and claimed that the account was " VERIFIED '' but have yet to launch a proper dispute or provide proof of how they validated an account belonging to someone else. I did not initially notice the report because it had been reporting in good standing since its opening so my credit monitoring was not alerted. 

I have disputed with XXXX XXXX directly as well as Transunion with no resolve. I've been a victim of credit file merging and Identity theft for over 10 years. It is obvious the account holder is a completely different person. Transunion refuses to remove the inaccuracy even with verifying documents that helped remove the other information belonging to said person, off of my report.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America closed my account for potential fraud not done by me in XX/XX/2019 and I have not been able to open a bank account anywhere besides my credit union since. I do not think this is fair as I did not commit fraud, I live in Missouri and the apparent fraud was committed in Arizona at the time I believe. I also had a remaining balance of {$300.00} in that account at the time that I never received back. I would like the fraudulent activity thats stated on my consumer report removed so that Im able to open a bank account at a regular account. This is preventing me from handling day to day business.
Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2022 I was at work that unauthorized person withdrew {$260.00} from my bank account by using XXXX ATM on XXXX XXXX. 
I reported to bank but unfortunately the result was not in my favor even I filled polis report But it was not helpful.
Consumer complaint received 2023-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Discover Bank fraudulently closed my account without my consent due to the fact that it " doesn't like '' how I submit payments. Discover Bank dishonored every negotiable instrument I sent to it. Discover Bank didn't return any negotiable instrument bank to me ( beneficiary ). Discover Bank didn't provide any lawful reasons of doing so. Discover Bank is in breach of FDCPA 15 USC 1692a1. It is Discover Bank duty to honor negotiable instruments for payment, to know and abide by and operate under the law. 18 USC 8 applies. Commercial instruments are legal tender for payment of debt in accordance with 31 USC 5118 and other statutes/codes. 



" Dear XXXX XXXX, As a result of a recent review, we have closed the account referenced above. 

We have taken this action because your account is not being used as intended. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one. 

If you have any questions, you may write to us at : Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, Discover Corporate Security ''
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX  XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
CAPITAL XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Consumer complaint received 2023-01-13
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Exeter Finance, LLC. (TN)

The first problem is they pressured me and rushed me into signing the contract and they ran my credit through multiple people when i told them not to then when they found somebody they charged me a down payment and after i sign contract i notice my interest rate was super high they didnt explain none of that to me at all they was just more worried bout the down payment cash and me signing. The second problem is the car loan people which is Exeter Finance LLC the car beggining price on XXXX XXXX XXXX  when i got the vehicle it was {$17000.00} and since that date ive made 14 payments that added to {$6300.00} and its XX/XX/XXXX and the remaining amount is about the same as when i first purchased the vehicle which is only {$17000.00} i want to know why it aint went down none and my monthly payments is {$460.00}
Consumer complaint received 2023-01-13
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union is reporting a collection debt on my record without any knowledge at all - I have not received communication or details other than a manufactured name - XXXX  there is no XXXX  in the usa nor am i associated with anyone named as such Trans Union has my wrong spelling and XXXX is just reporting something from XXXX XXXX  have no accounts with XXXX XXXX  and someone from resurgent is harassing me which is associated with XXXX Trans Union lost data and all of our ss numbers went offshore I want NO dealing with Trans Union I lost a job because of them
Consumer complaint received 2023-01-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. 
You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
XXXX, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. 
If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. 
& Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information.

If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). for these listed accounts below. 
Accounts 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2020-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX is discriminating against us as XXXX XXXX Americans and U.S. Veterans who previously had our loan transferred to them from XXXX XXXX   during a Loan Forebearance period which completed in XX/XX/2019. During XX/XX/2019, we were advised to send our Loan Modification Application paperwork in and received countless delays in them processing our loan, whereby, the Veterans Administration Home Loan dept had to get involved. We are now experiencing discrimination and retailiation from XXXX XXXX XXXX XXXX who utilized biased and discriminatory practices on whom they choose to report late payments on during the course of the Applicants Loan Modification Process. XXXX chose to biasely report our payments late during the loan modification and 3-mth trial period because we are XXXX XXXX Americans and U.S. Veterans who opposed their illegal business practices utilized against us during our Forbearance period which was approved by XXXX XXXX  and was supposed to be honored by XXXX XXXX XXXX XXXX. We raised these concerns to CFPB and the Veterans Administration. Hence, their has been retaliatory treatment by XXXX XXXX XXXX XXXX who is currently negatively impacting our Credit scores across all 3 Bueraus by at least 50 points which is now negatively impacting us with obtaining a VA IRRL with various lenders. 

XXXX is utilizing double-jeopoady tactics as well for investors to receive more monies with VA IRRL Loans, since they knew a customer would be negatively impacting, although they were being approved for a Loan Modification due to extenuating medical and financial circumstances we experienced when our daughter was XXXX  for 35 days including XXXX  for a XXXX  XXXX-XXXX  condition. They did not care about the customer in this instance, as much as they care about keeping Shareholders and Investors appeased due to pure GREED & Retaliatory Tactics applied in choosing to report against XXXX XXXX Americans who experienced an extenuating family medical and financial emergency, as opposed to other XXXX Americans. This is discriminatory and they are still doing the same thing during this pandemic epic COVID-19 occurring today.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  XXXX, GA XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-01-19
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. (NC)

My name is 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 2020-04-01
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. (AR)

I decided to get my credit pulled due to a couple of bills. I continued to receive in the mail. I have never heard form the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DPT EDXXXX XXXX {$88000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX {$650.00} XXXX  XXXX 'XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$4000.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX  XXXX {$540.00} XXXX  XXXX XXXX {$1100.00} XXXX XXXX {$540.00} XXXX  XXXX  XXXX {$700.00} XXXX/XXXX   XXXX {$640.00} XXXX  XXXX {$1500.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX   XXXX {$450.00} XXXX/XXXX XXXX {$700.00} XXXX XXXX XXXX  XXXX {$420.00}
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint today to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX*** Balance Owed : {$55.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXXXXXX Balance Owed : {$74000.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and XXXX XXXX XXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is my SEVERAL Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be removed. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be repaired 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2023-01-18
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. (CA)

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, 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 2023-01-18
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)

I have tried numerous times to remove a XXXX XXXX account from my credit report as it has been move than 7 years since the last payment. Through months of trying only XXXX has removed the account. Until date I have had no success with Transunion or XXXX to remove this account. I have even sent mailed letter well over 60 days ago and have never received any response back. Any help to remove this account from my credit report will be greatly appreciated. Thank you