davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-24
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. (NC)

I am filing this FTC Identity Theft to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/1986 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that, the TransUnion credit reporting agency XXXX XXXX and XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  Account # XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. 
Bank Name : XXXX XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX : {$110.00} XXXX. 
Bank Name : XXXX XXXX XXXX XXXX. XXXX : XXXX XXXX : {$350.00} XXXX. 
Bank Name XXXX XXXX XXXX XXXX XXXXXXXX. XXXX : XXXX XXXX : {$17000.00}
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

im cleaning up the errors on my report and i want the following to take place : 1. i want all unmailable addresses to be removed except for ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2. all emails to be removed except ( XXXX ) 3. all phone # 's removed except ( XXXX ) 4. all write off/ charge off to be removed as it is considered income and can not be on the report. ALL INACCURATE DATES/AMOUNTS THAT DIFFER FROM OTHER CREDIT REPORTING AGENCIES TO BE REMOVED IMMEDIATELY. per the " PRIVACY ACT OF 1974 ''
Consumer complaint received 2022-12-06
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P. (OK)

I received a call at my moms number, it was XXXX something in the morning CST. It was a person with the Company LVNV collecting a bill for internet with XXXX. Well I already have a company prior to this company on my report collecting this. They told me they was collecting for XXXX XXXX XXXX, which is the collection company that was first trying to collect a bill that was not owed due to the original creditor had credited back that bill for internet not working properly and we had cancelled the service for non service. So both companies LVNV & XXXX XXXX XXXX are on my credit reports trying to collect a bill not owed, also XXXX is a no contract company for services. If a contract was made it was without knowledge of this, unless they sneak it in as a signature of install by the tech paperwork on install and told that it is a signature they need to prove hook up, which is illegal to make it a contract off of that.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the TRANSUNION. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the TRANSUNION came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the late payments.
Consumer complaint received 2024-09-24
Product: Credit reporting 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. (SC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

This company has been violating my rights. I have did a dispute with them before and they have only deleted XXXX account from my credit for inaccurately reporting. The last account that still on my credit they stated they believe I was not the one that made the complaint which I was.I was informed to XXXX them a call to get permission for them to complete the investigation which I did call and give them permission to go forward with the investigation. I have heard nothing back and still show its reporting to my credit. They only removed XXXX account. 

My reason for disputing because they were reporting multiple charge offs on the account till this day of 2024. I disputed with XXXX on this information and they left it on my report. They did an investigation and actually removed one of the capital one accounts that was reporting. I will provide information on that as well.

According to 15 U.S.C. 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. Reporting incorrect information to credit bureaus constitutes a violation of this provision.

In accordance with the fair credit reporting act FCRA section 1681 15USC 1681. Violating my rights reporting inaccurate information. Also 15USC 1692 ( e ) falsely misleading multiple charge off.

When I reached out to them they actually verified they are reporting correct WHICH THEY ARE NOT again charge off are reported ONCE not multiple times. I attached a picture below to show how they are still reporting and been reporting incorrect!

This account has been on m y report long enough and still reporting inaccurate! Needs to be removed as this is round 4 with capital one.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Consumer complaint received 2023-06-22
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$950.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-12-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation (FL)

XXXX in XXXX FL is the company, so my sister stole my identity and got a car in my name without my consent but the dealership knew she wasnt me because I came in a week prior so they pulled that same file from the week before and processed all of my information without my consent I have every document from proof of purchase and not one document has my signature on it yet they let her lease and financed a car for her in my name and now I have debt on my report it was {$20000.00} but I looked again and its now at about {$5000.00} and I am not responsible for this and they know it because nothing is signed they just financed a car for someone based off them knowing my name and coming in to the dealership with me a week prior and I tried to inform them about the issue back in XXXX as well as explain that I never signed any paperwork and that I wanted to return the vehicle, it had been less than 30 days they said NO and it was my problem basically and I would have to pay
Consumer complaint received 2022-12-02
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: Experian Information Solutions Inc. (TN)

While checking my most recent credit report, I noticed unauthorized credit inquiries made by the following companies : ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( 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 XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Experian permission to furnish this information onto my credit report. This is a violation of the FCRA Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights under the No Surprise Act of XXXX. 
I have asked this company to Validate this information to better help fix this in which they have failed to do so and simply " Updated '' on my report. I have not received any documentation showing my signature giving permission for any of these inquiries.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 2023-02-08
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: EQUIFAX, 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. Account name XXXX CARD : # XXXX, Account name : XXXX # XXXX, Account name : 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

The following companies are reporting this debt in my credit report : 1 ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (CA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account ( s ) be verified or removed immediately : XXXXXXXX XXXX  Account Number : XXXX Charge Amount : {$3600.00} Date Opened : XX/XX/year> Reason For Dispute : Fraudulent Account, Account Not Mine, Unauthorized, Identity Theft
Consumer complaint received 2024-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/year> I went to BANK OF AMERICA located at XXXX XXXX XXXX, XXXX, NJ XXXX and tried to withdraw {$400.00} from 2 Atms that both Declined my transaction. The first transaction with Atm XXXX Declined my transaction and restricted my card I did not print out a receipt for this transaction as well. I went on line to wait for a teller but ended up calling customer service and removing the unrestricted block on my debit card. Than proceeded to Atm XXXX and tried to withdraw {$400.00} again which I received the same message of unusual activity and decided to print out this receipt which had Debit Card Alert on it and giving me a number to call to unblock my card once again. At this time im thinking my money is still on my account I make my way to the teller again and he tells me check my mobile app because the funds im trying to withdraw arent available. They deducted my {$400.00} without dispensing it. I immediately started a claim I also showed the teller my receipt now Bank of America is not offering me any type of credit due to the 2nd transaction saying it wasnt declined making it look like I received my money but didnt.