davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-22
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. (PA)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review.
Consumer complaint received 2016-01-18
Product: Credit reporting — 
Issue: Improper use of my credit report — Received marketing offer after opted out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have placed a fraud alert and freeze on all XXXX creditors. I will like to know if my personal information and credit inquiries are used by a third party to commit fraud. I have all these credit inquires and was not inform about any credits or gave my consent to any company to use my personal information.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2015-07-09
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (MA)

This company continues to call my house for a XXXX XXXX or some similar name. My name is XXXX XXXX and my wife and XXXX kids live here. None of them are name XXXX XXXX or anything close. more importantly none of us - have any debt that is unpaid, overdue or late. 

I advised them two weeks ago to stop calling - as they have a wrong number - but they continue to call me
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I attempted to buy a car from XXXX XXXX in XXXX XXXX and the manager insisted he had to run a credit check which is XXXX hard inquiry. I told him not to run a credit report for a loan on a whole lot of companies because hard inquiries are hard to get rid of when you they are on your credit report. I gave him permission to ask for a loan from XXXX XXXX and XXXX XXXX which are XXXX auto loan companies I am currently using to pay off car loans and are in good standing. Well, needless to say he ran my report XXXX times lowering my score of XXXX to mid XXXX 's. I would like these hard inquiries removed from my credit report so I can purchase a new car or buy a home. I had a good score now I have a bad XXXX.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XXXX XXXX, 2015, I received a cold call from a XXXX based travel company. They pressure sold me a vacation package. The call lasted at least an hour. I asked them to provide me with written terms of the offer that I would consider and consistently told them I would not consider anything without written terms. They relented and wore me down. Eventually, I got into the mindset that I could give verbal authorization to charge my American Express card and then cancel once I saw the written terms. 
The next day I contacted the company to cancel & they said that I could n't until I signed forms authorizing them to charge my credit card. I contacted American Express to dispute the charge. 
American Express opened and closed the dispute process 3 times. During this 5 month period, it has been the worst customer service I have ever received from a company. Each dispute process was the same. They opened it and sent me emails saying they had " important information '' for me, with a link to view this information, which took me to their website, which I had to log onto, which did not have a " message center '' to view the information. I called them to ask for an email address to forward emails from the company I was disputing the charge from. They said I had to upload documents to their " message center ''. A customer service rep walked me through the ridiculously convoluted process of uploading a screenshot of an email to the message center. To this day, I have no idea whether American Express saw this or considered it in my disputes. 
The communication consisted of me calling every once in a while to find out what was going on with the investigation & being told the investigation was closed. When I asked whether they considered the information I uploaded they could n't tell me. When I asked to speak to a supervisor, they put me on hold, then said one would call me back. This happened several times without me ever receiving a call back from a supervisor. 
In the end, it was like doing business with a computer, with the added hassle of having to talk to uninformed people with an attitude. Although the company I attempted to dispute is still requiring me to sign forms acknowledging that I am the authorized card holder and that I gave them permission to charge the card over the phone, in order to " activate '' the vacation package I " purchased '' that day, American Express apparently can not do anything for me. They have no will to help their customers who are victims of pressure sales.
Consumer complaint received 2016-01-20
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: American Credit Acceptance, LLC (NC)

On XXXX XXXX, XXXX I cosigned on a auto loan ( XXXX XXXX XXXX ) for my mom on a vehicle from XXXX XXXX XXXX of XXXX, NC. Upon purchasing the vehicle we notice some work needed to be done to the vehicle. We returned the vehicle to the dealership on XXXX XXXX, XXXX and they gave us a rental. On XXXX XXXX, XXXX, we had to return the rental to XXXX and pick up our vehicle from dealership. On XXXX XXXX, XXXX, a finance manager contacted up and said that the deal was not funded and we needed to return the vehicle back to the dealer in the next 5days On XXXX XXXX, XXXX I returned the vehicle back to the dealer but they did take the key to the vehicle. I tried contacting the finance company ( American Credit Acceptance ) to notify them that the vehicle was back at the dealer but the number listed on my contract agreements was saying the number was disconnected. I received a letter from American Credit Acceptance around the first week of XXXX stating my reasons for denial. I tcontacted American Credit Acceptance using the number listed on my letter. I spoke with a Finance Manager who told me that they funded the loan but they were not notified that the vehicle was taken back to the dealer. She said they tried contacting the dealer but could n't get an answer or a call back about the vehicle. She told me to get a police report stating that I returned the vehicle on XXXX XXXX, XXXX to the dealer. I went to the Sheriff Dept. but I was told I did n't need a police report for that issue. The sheriff told me to just document my dates and keep up with them. I reviewed my credit, and that vehicle loan is on my credit with late payments and I did n't even keep the vehicle two weeks.
Consumer complaint received 2024-09-03
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc. (FL)

In accordance with the principle established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a creditor must provide sufficient proof to substantiate an alleged debt. This principle underscores the importance of verifying the legitimacy of a claim before seeking enforcement.

To resolve this matter, I request the following : Detailed Verification : Provide a detailed account statement showing the origin and nature of the debt, including the original creditor 's information, account numbers, and a complete transaction history.

Documentation : Furnish any signed agreements, contracts, or documentation that establish my responsibility for this debt.

Proof of Assignment : If the debt has been assigned or sold to your company, please provide proof of this assignment or sale.

Legal Validation : Any documentation or legal filings demonstrating your authority to collect this debt.

Until I receive the requested information and have had an opportunity to review it, I will consider this debt disputed and will not acknowledge any liability for it.

Please send all correspondence and documentation to my address listed above within 30 days from the date of this letter. If you fail to provide the requested proof, I will consider this matter resolved and may take further steps to protect my rights.

Thank you for your prompt attention to this matter.

Sincerely,
Consumer complaint received 2024-11-22
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. (MI)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXXXXXX 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 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-22
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. (CA)

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( U.S.C. U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agencies, 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 personal credit card account opened at XXXX XXXX with a balance of XXXX XXXX This account has resulted in several fraudulent hard inquiries on my consumer credit report. I have attached a screenshot of the consumer credit report maintained by you all, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you all were not opened, made, or initiated by me. 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 as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
I also attached a copy of the police report filed with the XXXX Police Department and a copy of my state issued IDENTIFICATION CARD.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/year> I sent Experian, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-22
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. (IL)

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. Under USC 1681g, I am requesting their removal within 15 days. Attached are the relevant documents for your review.
Consumer complaint received 2016-02-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: WELLS FARGO & COMPANY (TX)

I had an auto in 2007 from Wells Fargo. They repossessed the car when I I lost my job. They charged it off after I was still paying them. they sold the car for more than what I owe. 
Now they reaged the account and keep adding more to the fee all of these years later. They are reporting false information on my credit. I asked them to send me validation and a copy of the bill of sale showing how much they sold the auto for, but they just ignore me
Consumer complaint received 2024-11-22
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. (NC)

Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA XXXX. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-11-22
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)

I am filing a complaint to address misreported information that has been mixed into my credit report. There are accounts appearing on my report that do not belong to me and are likely linked to someone elses profile. This inaccurate reporting is causing harm to my credit standing and raises serious concerns with my ongoing issue of fraud and identity theft. This situation violates my rights as a consumer and negatively impacts my financial reputation. Please prioritize this matter to ensure my credit report is accurate and reflects only legitimate information associated with me.
Consumer complaint received 2024-11-21
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. (FL)

In XXXX someone bought a car in my name in XXXX, GA but I proved to the company that it wasn't me and that my identity was stolen.The reposession was removed from XXXX and XXXX, but not on TransUnion. I provided all necessary documents to prove it wasn't me, but the finance company is removing from transuion. I submitted a police report, identity theft report, copy of my license, utility bill and all other information they requested from and I never heard back from them. This situation has harmed my credit and reputation, even though the car associated with the loan had no debt and I never signed for it. The loan number is XXXX.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2024-11-22
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)

I am filing this complaint to address the presence of fraudulent accounts and inquiries on my credit report due to identity theft, which I believe is connected to the XXXX data breach. As a victim of identity theft, my personal information was compromised without my consent, resulting in the unauthorized use of my information to open accounts and initiate credit inquiries. 

ACCOUNTS : XXXX XXXX ( Account # : XXXX ) XXXX XXXX XXXX XXXX Account # : XXXX ) -XXXX XXXX XXXX  ( Account # : XXXX ) -XXXX XXXX XXXX XXXX Account # : XXXX ) INQUIRIES : XXXX XXXX - XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I have the right to have all fraudulent information resulting from identity theft removed from my credit file. I have provided XXXX with a valid identity theft report and the required documentation to support my dispute, as mandated by this law. However, XXXX has failed to promptly and properly remove the fraudulent accounts and inquiries as required by law. 

This violation not only disregards my rights under the FCRA but also exacerbates the harm caused by the XXXX data breach. I am requesting immediate action from the CFPB to ensure compliance with federal law by XXXX, including the removal of all fraudulent accounts and inquiries from my credit report and ensuring no further harm results from this data breach. 

Attached to this complaint, I have included : 1. My identity theft report. 


2. Supporting documentation such as correspondence with XXXX. 


3. A list of fraudulent accounts and inquiries appearing on my credit report. 



I respectfully request that the CFPB investigate this matter and hold XXXX accountable for its obligations under FCRA 605B.