davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-29
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)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



























































































XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXUNIVERSIT XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ''
Consumer complaint received 2022-06-21
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. (NY)

There is inaccurate information on my consumer report, the account starting in XXXX has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance being innacurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Consumer complaint received 2022-11-29
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: AMERISAVE MORTGAGE CORPORATION (NY)

On Sunday XX/XX/2022 as I was rushing to an XXXX XXXXXXXX XXXX XXXX ID # XXXX of Amerisave Mortgage corp. 
XXXX XXXX charged my credit card with what I afterwards found out to be a nonrefundable application fee. 
I was not made aware that this was nonrefundable and I told XXXX XXXX I didn't have my reading glasses to see the email he sent me at the time, so he was aware of this being most of the transaction happened while I was driving on speakerphone. 
They assigned a XXXX to help me with the particular house I was trying to buy at XXXXXXXX XXXX XXXX XXXX XXXX XXXX When he wasn't able to get access to the house on XXXX afternoon like he told us he would, that's when we saw this house wasn't going to work out being it was much worse than anticipated. So I told them to cancel it all and we will try again after the holidays. Well that's when XXXX XXXX told me it was nonrefundable and I should have read it in the fine print. I told him I he knows I was driving and didn't have my glasses. It didn't matter, he got me I then called the Amerisave and spoke to XXXX XXXX who after explaining all this said she will forward it to XXXX XXXX and his XXXX XXXX XXXX who denied my refund request.
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

XX/XX/XXXX - XXXX opened an American Express Business card. At the time i was advised I would receive XXXX miles when I spend XXXX as long it was within the first XXXX XXXX. I was also advised I could access all American Express lounges at the airport. 

XX/XX/XXXX - I called to ask why I had only received a small portion of my XXXX  miles. The agent advised it can take up to XXXX XXXX XXXX XXXX to receive them all. I let her know that was not what I was advised a the time of enrollment. 

XX/XX/XXXX - XXXX tried to enter the XXXX American Express lounge at the XXXX airport with my clients there were traveling with me, as advised I could at the time of enrollment. The staff member let me know she can not let me in, I can only enter the XXXX XXXX  lounge on the other side of the airport. I spent over an hour with an agent on the phone that could not resolve this situation. I asked to speak with a supervisor. The supervisor advised her only recourse was to open an investigation that could take a few weeks. 

XX/XX/XXXX - I called to find out about my miles and the result to the lounge entry issue. The agent advised the investigation is open and there is nothing she can do for me. She transferred me to a supervisor who stated she can open an investigation for the mIles, because she sees that the code on my account states on XXXX miles not XXXX. As for the already open investigation, she advised the prior person was wrong that it can take up to XXXX as allotted by the CFPB regulation. 

XX/XX/XXXX - XXXX received a call letting me know they fixed the issue with the miles and all miles had been added. They also advised the other investigation was still open. 

XX/XX/XXXX - I called to inquire to the investigation as it had now been open for XXXX XXXX. Once against the agent couldnt do anything. I asked to speak to a supervisor again. This time the supervision advised the prior advisor was also wrong as well. The investigation can take between XXXXXXXX XXXX 

I can not get a consistent response or a resolution. They continue to extend their turn around time advising the last person was wrong.
Consumer complaint received 2022-08-22
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. (GA)

The following accounts XXXX XXXX ( XX/XX/2021 ), and XXXX XXXX ( XX/XX/2021 ) were not authorized by me. I do not recognized these accounts/inquiries, and they are fraudulent.
Consumer complaint received 2022-10-22
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: TRUIST FINANCIAL CORPORATION (FL)

XX/XX/XXXX Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact Regional Acceptance Corporation immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am filing this complaint against Bank of America due to this business allowing my sensitive data to be illegally acquired by malicious parties to attempt to open a deposit account using my identity. This is called identity theft and Bank of America is facilitating it. I made several calls today, XX/XX/2023 to their fraud department who dismissed my complaint and informed me that I needed to go to a branch with two forms of ID. I will not go to a branch and expect this issue to be permanently resolved without further endangering my life ( about ten years ago, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, they illegally, immorally, and unethically endangered my life by dispatching cops with itchy trigger fingers that threw me against my company vehicle while handcuffed and proceeded to physically assault me ). This is the reason I will NOT step one foot on BOA property. In addition to reporting this facilitation for identity theft to the XXXX, I am reporting BOA to the FCC, FTC, local, state, and federal authorities. 

I requested that my personal data be destroyed when I closed my accounts ten years ago ( clearly this was a lie and deception communicated to me by this bank ). I want this data destroyed immediately and a legitimate proof of destruction. 

I want all impact to my credit report to be expunged from my record. 

I have tried to communicate and work with Bank of America representatives to resolve this, however, they refuse to listen, care, or take action to remediate. Instead, they continue to insult my intelligence and attack me. 

I have spend about 4 hours trying to resolve this issue with Bank of America account representatives who refused to transfer the call to a member of upper management and actively chose to aggravate the situation. 
I am seeking resolution from upper management in 7-10 business days.
Consumer complaint received 2024-11-15
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. (SC)

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX  XXXX XXXX Add additional information if there are more inquiries ) Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Consumer complaint received 2022-05-15
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-16
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. (PR)

On XX/XX/XXXX of 2024 at XXXX I called to XXXX XXXX XXXX request the opening of a XXXX line in my account. XXXX XXXX XXXX from Customer Service helped me to open the account but he never informed about any inquiry to my credit report. After ending the phone call I noticed a hard inquiry in my credit report and called again to ask about it. They informed that they never do hard inquiries and that I they were supposed to do a soft inquiry instead of a hard inquiry. Since then, I have been trying to claim that XXXX XXXX send a letter to Transunion in order for the unauthorized hard inquiry be removed from my personal credit report. 

In addition, I am disputing that there is incorrect information ( Bankruptcy information ) in my credit report from TransUnion and XXXX. Please find attached XXXX separate letters that I already mailed and uploaded to the corresponding credit reporting bureaus.
Consumer complaint received 2023-09-20
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. (FL)

You are in Violation of furnishing my consumer reports to person/s that do not have any permissible purpose or any legitimate business reason to receive those reports which is a clear violation of my right to privacy. 

On XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XXXX XXXX XXXX you furnished my consumer report without a permissible purpose as per 15 USC 1681b ( 2 ) or knowingly without a legitimate business reason pursuant [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

The Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully furnishing my { Insert CRA that inquiry is on here } consumer report on { Insert Date,XXXX  } without my authorization or a permissible purpose under the 15 USC 1681b ( 2 ) Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.

2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ).

I hereby request pursuant rule 1002 the permissible purpose or legitimate business reason certification that authorized the furnish of my consumer report on XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN Be advised the advisory opinion of BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports explains that the permissible purposes listed in FCRA section 604 ( a ) ( 3 ) are consumer specific, and it affirms that a consumer reporting agency may not provide a consumer report to a user under FCRA section 604 ( a ) ( 3 ) unless it has reason to believe that all of the consumer report information it includes pertains to the consumer who is the subject of the users request. The Bureau notes that disclaimers will not cure a failure to have a reason to believe that a user has a permissible purpose for a consumer report provided pursuant to FCRA section 604 ( a ) ( 3 ).
Consumer complaint received 2022-06-21
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: CBC Companies, Inc. (TX)

THIS IS NOT A CONSUMER DISPUTE REQUEST! I AM NOT REQUESTING THAT INNOVIS DISPUTE ANY ACCOUNTS IN THIS COMPLAINT. THIS IS A COMPLAINT OF INNOVIS NON-COMPLIANCE of the FCRA 611 ( a ) ( 6 ) ( B ( iii ).

On XXXX XXXX XXXX, I sent an correspondence to Innovis requesting the Method of Investigation for the prior disputed accounts that was submitted on XX/XX/2022. I have reason to believe that a thorough investigation was not completed therefore I requested the Method of Verification from Innovis. 

As stated in the FCRA 611 ( a ) ( 6 ) ( B ( iii ) provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, 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. 

Innovis failure to comply with FCRA in regard to providing me with the method of Verification is a clear violation of my federal rights as a result of their non-compliance. Innovis ignored my request and sent me a general response non-related to the Method of Verification that was requested. 

FCRA 611 ( a ) ( 7 ) provides : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I have not received the Method of Verification from Innovis. I am attaching the original Method of Verification Request that was sent to Innovis, along with the Certified Return Receipt as proof that Innovis did receive my correspondence. 

I did file a prior complaint with the CFPB on XX/XX/2022. Innovis responded that they needed authorization from you to proceed with your complaint. So please find a affidavid of Identity attached to this complaint. Also I myself XXXX XXXX do give Innovis authorization to answer to this complaint. Innovis contacted me by mail on XX/XX/2022 regarding the complaint that I previously made to the CFPB. 

On XX/XX/2022 approximately XXXX I reached out to Innovis office of consumer affairs and explained in detail of the non-compliance of the FCRA because of their refusal to provide to me the Method of Investigation. The representative that I spoke with was unable to provide me with a reason to why Innovis violated my rights that are clearly stated in the FCRA 611 ( a ) ( 6 ) ( B ( iii ), by not responding to my request for the method of investigation for the prior disputed accounts.
Consumer complaint received 2023-12-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Exeter Finance, LLC. (OH)

15 usc 1605 was violated. 15 usc 1662 was violated. 15 usc 1635 violated. the company is exter fiance. once we get in contact i will have more info. for you guys thanks.
Consumer complaint received 2022-06-21
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. (NE)

I have sent this complaint three times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-09-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC (TX)

On XX/XX/XXXXXXXX  I received a letter from Mortgage company stating my escrow account had a shortage of {$6400.00} ( review period XX/XX/XXXX to XX/XX/XXXX ) with current mortgage payment : {$1000.00} and New Mortgage payment of : {$1600.00} due XX/XX/XXXX. Letter was dated XXXX XXXX  and received postmarked XXXX. 

i researched and found out that XXXX  & XXXX Property, School, water taxes were paid from my escrow on XX/XX/XXXX XXXX that also includes Penalty fees and Atty. fees. Total of {$2100.00} XXXX XXXX MUD Tax fees were also paid on XX/XX/XXXXXXXX   for {$1000.00}. 
XXXX  SCHOOL TAX was paid XXXX on XX/XX/XXXXXXXX  with the previous owners name on the receipt/previous owner is deceased and has since early XXXX. XXXX school tax was paid on XXXXXXXX  for {$1000.00}. They did not project my XXXX Homestead either and have not given me a reason for the delinquency or late fees. i have all receipts, etc. i am getting no where with them and they do not know why the taxed were paid late.
Consumer complaint received 2022-06-21
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. (IN)

In accordance to 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 can not furnish a account without my written instructions.