davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-12
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 violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a credit report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. 

I did not initiate any of these inquires furthermore if you feel like I did, please send me copies of my written signature giving consent to this matter. Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated.

The following items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

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 2023-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged 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 2024-11-12
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. (FL)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-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 of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ) and a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ). I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The unverified accounts listed below continue to appear on my credit report despite several written requests, which constitutes a violation of federal law. In my previous letter to the 3 credit bureaus, I did not receive a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated. Should you fail to authenticate these accounts, I will have no choice but to pursue legal action. I urge you to comply with the law so that this matter can be resolved promptly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-11-12
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. (AZ)

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NPAS, Inc. (TN)

Received collection notice from NPAS concerning debt currently in open complaint with the XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NPAS stated they conducted their own investigation apart from XXXX and that the balance is accurate and is [ my ] responsibility. I am currently sending certified mail to original XXXX XXXX XXXX ( original creditor ) and NPAS ( collection agency ) to await solution from XXXX.
Consumer complaint received 2023-07-11
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. (MN)

There is an account that is not mine and it is reporting inaccurate information. I have disputed this and it still remains. I don't know how this is possible but the information is changed instead of removed. Attached I have a copy of an example of the inaccurate information. XXXX XXXX is reporting that I opened this account in XXXX XXXX, XXXX. I have previous reports where they claim something else as well as their report states I had a late payment in XX/XX/XXXX. Two years before the alleged account was opened.
Consumer complaint received 2023-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Maynard Nexsen PC (SC)

Good afternoon, Please see the attached complaint as there isn't enough room to list it all here. 

I've been lied to continually about the balance on a vehicle intentionally with the sole intent of extorting more money from me. There is no way that over XXXX  in " lawyer fees '' can be assessed in 3 business days after receiving an initial amount to satisfy the loan.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had filed a dispute back in XXXX  that was not filed on there part. I recently filed it again and was denied. I also filed a complain for bank of America not filing the first dispute. I have sent them the police report and still was denied.
Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

A while back I did a complaint with online service for 7 payments because they only settle fir 5 of them they took back money that I paid to this company but because Chase didn't get it all they took back 2 of my 7 refunds and put my account in over drafts making me pay this money again talking about they sent me a letter I never got it they send me email for everything else that's how I knew I was overdrawn they do this all the time so we could be in overdrawn status so we can pay them extra fees for overdraft they know we don't want to do that so we pay it I got rob by the online company and Chase I paid twice!
Consumer complaint received 2023-07-11
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. (MN)

I am writing to address an issue regarding my credit report. It has come to my attention that a number of creditors have accessed my credit report without my permission, or without my knowledge of your company being involved. According to the Fair Credit Reporting Act, creditors have an obligation to provide me with a notice before accessing my credit report or making a decision based on it. 

I would like to emphasize that I did not authorize these companies to access my credit report, and I never given permission for these creditors to be on my credit report or access my credit information. As a result, I kindly request that they be remove any information regarding these companies from my credit report immediately. 

I understand that under the Fair Credit Reporting Act, derogatory information can remain on my credit report for up to seven years. However, in this case, since your company accessed my credit report without my consent or knowledge, I believe it is unjust to have this information on my report. 

I expect prompt action on your part to rectify this situation. Please provide me with written confirmation once the unauthorized information has been removed from my credit report. Additionally, I would appreciate a detailed explanation as to how this unauthorized access occurred and steps taken to prevent such incidents in the future. 


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Consumer complaint received 2023-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/23 at around XXXXXXXX XXXX I deposited cash into a stand alone Bank of America ATM on XXXX XXXX at the corner of XXXX and XXXX XXXX. I deposited {$2100.00} in {$100.00} bills. The machine took the cash. I was adding more funds and it locked up. The machine didnt credit my account and it gave me a receipt telling me to call the claims number. I have filed a claim with the bank and have been checking to see how it is being handled. I have been getting the run around and just told they are investigating. They say they understand and they are sorry but I live paycheck to paycheck. My company doesnt have direct deposit and we receive a paper check every week. I always deposit funds after I cash my paper check from the bank its written on. I feel I need to reach out and file this claim for assistance. I would greatly appreciate any help I could get. Ive made several attempts to escalate the issue with the bank to no avail. Please help me and my family. We greatly depend on these funds to pay our bills.
Consumer complaint received 2023-07-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: PNC Bank N.A. (TX)

I called the company ( PNC Bank ) on XX/XX/XXXX of 2023 to pay off existing loan and get the title sent my way. They sent over a letter saying it was paid in full but my title never made it. I gave time for it to find its way there but it never came. In XXXX, I reached out to the company about the title not making it and asked them to send it to a new address. Again, the title never came even though I paid off the loan on XX/XX/XXXX. They claimed no one was home to receive the title even though my wife and I were home with a newborn baby and not leaving the house. I called again today to try again and they said I would have to retrieve the loan through the XXXX and they could not help. I believe this is not consumer friendly and predatory behavior.
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

I had disputed a XXXX XXXX XXXX XXXX charge as I was overcharged by an amount of {$1100.00}. This was resolved by Chase Cardmember Services after I provided them with all the documentations requested which included an acknowledgment by the XXXXXXXX XXXX XXXX XXXX  location manager on wrongly charging the account. I also received a confirmation letter from Chase that this dispute was closed and the credit which was applied temporarily to my account would remain permanently. Please see attached letter from Chase. This charge was however reinstated on my card with no further explanation. I tried calling Chase multiple times via phone calls to which the response has been that they can only open it up for research and can not do anything further. I have also sent Chase multiple secure emails and it has been more than 2 months now and has received no explanation or resolution to an already resolved dispute ( as per the attached letter ). 
I have reached out to Chase with this issue via email on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and via phone calls and talked to XXXX XXXX ( Chase does not allow their employees to provide last names ) in early XX/XX/XXXX who acknowledged that the charge is incorrect ( on a recorded line ) and that it should not have happened but all he could do is open it up for research ( again ) with the disputes resolution. He assured me that the resolution will be done in 5-7 business days. About 2 weeks later in XX/XX/XXXX I called again and this time XXXX XXXX who is manager gave me the same response and said it will take about another month to resolve this. I talked to another manager called XXXX XXXX on XX/XX/XXXX and he said he is not aware of this issue and has no access to emails or phone call history. At this time its been over a month with no communication or resolution to the matter and we are tired of making phone calls and have been provided with no resolution to the matter. 
I am not confident that Chase is trying to do the correct thing here and as a consumer, I feel like I have not received the resolution despite a confirmation from Chase.
Consumer complaint received 2023-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Business Factors (OH)

On XX/XX/23 I received an alert from XXXX XXXX that a collection had been posted to my credit report. I logged on to XXXX XXXX and verified that a collection from National Business Factors Inc had been posted to my credit report. I never received anything in the mail or via a phone call prior to this telling me there was a collection of any kind, or any of the same for the initial debt prior to it going into collection. Also on XX/XX/23 I drafted and mailed a verification of debt request letter via USPS priority mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX. The tracking says the letter was delivered on XX/XX/23. I have received no response to my letter or any information about the nature of the debt. The amount of the collections balances continues to increase.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I Sent my letter off on XX/XX/2022. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report that show inaccuracies. 

List of accounts showing inaccuracies XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-12
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. (NJ)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-11
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. (FL)

Upon recently Checking my Transunion Credit Report I noticed Couple Inquiries that I Didn't Recognize So I contacted transunion To inform them about unauthorized inquiries the agent recommended that I put a fraud alert on my credit which I did but he told me I had to contact the companies who are reporting the inquiries and get a deletion letter from each company which I tried to but I keep getting put on hold or the phone keeps on getting disconnected one company told me they never heard of the letter I'm requesting so at this point I'm reaching out to you guys because I don't know what else to do I work very hard to get my credit where it is and this is not fair can someone please help me
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (MO)

Someone opened a credit card with Ally credit and they live in New Jersey and used my information to obtain the card and have quit paying on the card therefore it is affecting my credit causing me to be denied on obtaining a loan which I wanted to purchase something. My home address is in Missouri and I had no idea of the card until I applied for the loan and was denied. I have contacted Ally credit card company and also the credit bureau to inform them of the theft. The date of my loan application was XX/XX/XXXX and the card was initially issued in XXXX of XXXX and they have not paid anything since XXXX or XXXX of XXXX. Ally is currently investigating the issue as of XX/XX/XXXX as well as the credit bureau as of XX/XX/XXXX.
Consumer complaint received 2023-07-11
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. (PA)

I reached out to XXXX back in XXXX of XXXX due to them providing personal information to XXXX party Companys, XXXX XXXX, Equifax, and XXXX providing false late payment information and account information. They are in direct violation of the Privacy act of 1974. This information provided is negatively affecting my credit report I have disputed this with the credit bureaus for accuracy of reporting as well. This company is in direct violation of 15 U.SC 6802 & 16 CFR 313.1 and U.S.C 1681 ( b ) No opt out notices were giving in regard to summiting non accurate information.