davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-25
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. (CA)

Previously filed a complaint with cfpb but important documents didnt upload. Take this dispute as accurate and disregard the former complaint. 


I am filing this formal dispute with the Consumer Financial Protection Bureau ( CFPB ) to address serious inaccuracies within my TransUnion credit report. The primary concern centers on an auto loan erroneously labeled as not paid in full, despite being satisfied for over 60 days. These inaccuracies have had a substantial impact on my financial standing, requiring a comprehensive resolution in compliance with the Fair Credit Reporting Act ( FCRA ). Issue at Hand : The core problem involves the misrepresentation of my auto loan payment history. Payments were satisfied for XXXX, and XXXX. A pivotal discrepancy arose in XXXX, inaccurately marked as 30 days late. This directly contravenes several FCRA sections, including Section XXXX681e, 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681c, and 15 U.S.C. 1681o. I have presented compelling evidence confirming the auto loans satisfaction. This evidence includes a lien release statement from the lender, an explicit statement from the lender confirming the loans fulfillment, and the issuance of the vehicle title with the removal of the lien holders name.
Consumer complaint received 2023-07-28
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-07-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MN)

XX/XX/XXXX, XXXX My wallet was stolen and the would-be thief attempted to withdraw funds from my XXXX XXXX  account with my stolen ID. The XXXX XXXX  cashier placed a hold on my account and notified me of the attempt. I reported the theft to the XXXX police department. 

XX/XX/XXXX - I placed additional holds on the rest of my XXXX XXXX  accounts to ensure the thief would not be able to transfer funds if he attempted again. 

XX/XX/XXXX? - After no activity for several weeks, I requested the branch remove any holds from my account so I can transfer funds to my Citibank account. 

XX/XX/XXXX - I initiate a transfer for XXXX from my XXXX XXXX  account to Citibank Savings account but the transfer is reversed. XXXX XXXX  branch did not remove all the holds from my account, so the transfer was not completed. I also initiated a transfer out of my Citi account for XXXX to XXXX which was completed. Even after the XXXX XXXXXXXX left my account, I still had a balance in Citi of XXXX XXXX. 

I then removed the remainder of the holds on my XXXX XXXX  accounts and tried to reinitiate my transfer. That is when I noticed my account was restricted with Citi and was notified to contact the fraud department. I contacted them and was told my account was closed and they also needed to verify my identity with a code and that I had to wait for a notice in the mail with a reference number to confirm my identity. I called them later when I didn't receive the notice and they sent one again. I then received one dated XX/XX/XXXX and then several days later I also received the first one that was sent in XXXX. Several more calls yielded no results whatsoever except that I could no longer view my online account whatsoever and that my account was closed for a reason that they wouldn't disclose and a check would be sent. They gave no indication of when the funds would be sent or why the account was closed. 

XX/XX/XXXX I contacted Citis XXXX XXXX XXXX and was told a file had been opened. I was given two agents names that would contact me by the end of XX/XX/XXXX. One agent was for my credit card and one for my savings account. Neither agent has contacted me though I did receive an email with my case numbers. I emailed the XXXX on XX/XX/XXXX and have not received a response. 

To date I have no visibility or access to my account. No timeline for when the funds will be returned and no indication if my credit card account would be closed. It is unethical for Citi to withhold my funds and this information from me. Why should I have to waste hours on the phone or gathering information to be returned my money?
Consumer complaint received 2023-07-28
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

I'm receiving emails from chase.com of JPMorgan Chase & Co., I never confirmed or verified that email with Chase.com, there is a serious security risk of phishing and chase.com don't even have an email or form to contact, only phone, I'm not even on US.

I receive plenty of personal mails for an account like this : " We posted a new notice for your account Here 's what it's about An Insufficient Funds Notice posted for your account ending in ( XXXX  XXXX ) We encourage you to read the entire notice because it contains specific information about your account. '' First email was on XXXX, and there are like XXXX more. 

Contacted over XXXX  weeks ago, no resolution until now.
Consumer complaint received 2023-07-28
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION (DE)

On XX/XX/XXXX Me ( XXXX XXXX XXXX on my daughter XXXX XXXX proceeded to trade in her car from XXXX XXXX auto sales and services located XXXX XXXX XXXX, XXXX Delaware XXXX. XXXX # XXXX. The salesman name was XXXX. Was supposed to give her a credit of {$2000.00} for the down payment for a XXXX XXXX XXXX  that he said was worth {$7300.00}. The total balance {$6100.00}. After he had add all of the dealer fees. We financed the rest of the balance with Credit Acceptance which supposed to be the {$6100.00}. The amount of the car ended up being {$12000.00}. Credit Acceptance added another {$6000.00} to car. 
The dealership and Credit Acceptance has made me and my daughter life a nightmare. My car payments are on time to this date. The balance of the car is still reporting negatively on me and my daughters credit report. The XXXX XXXX XXXX  is not evening running right now as of XX/XX/XXXX. I'm still making payments on the vehicle. I would like my contract with this company null and void.
Consumer complaint received 2023-07-28
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)

Collection Account 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 Reporting inaccurate information as of XXXX. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX  XXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries 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
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (WY)

Capitol One charged me for a purchase on a Walmart card that neither me or Walmart has a record of. While trying to figure out said charge they continually hung up on me, they constantly disrespected me and treated me as trash. They are no longer a reputable company.
Consumer complaint received 2023-07-28
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. (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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-28
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-28
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: M&T BANK CORPORATION (TX)

XXXX XXXX XXXX XXXX, TX XXXX XXXX You are in Direct Violation of the Fare Credit Reporting Act ( M & T Bank ), has violated several of my rights. 
15 U.S.C. 1681 section 602 A. clearly states that I have right to privacy. 
15 U.S.C. 1681 section 604 A. Secion2 also states that a consumer reporting agency can not furnish my account without written instructions. 
15 U.S.C. 1666B : A creditor may not treat a payment on credit account under an open-end consumer credit plan as a late as late for any purpose. 
Remove the late payment and update the account immediately as you are in violation of several laws under the Fair Credit Reporting Act.
Consumer complaint received 2023-07-28
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. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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 2023-07-27
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. (NJ)

I have 3 unauthorized hard inquiries on my credit and I would like them removed. 

Dates are XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX )
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (HI)

Hello, I requested Elan Financial Services ( in XXXX ) to adjust the XXXX billing cycle and due date to reflect the XXXX instead of the XXXX. 

XX/XX/XXXX- I called to have the monthly due date changed from the XXXX to the XXXX. CSA at Elan said we can do the XXXX. XXXX late fee was reversed. 

XX/XX/XXXX- I paid minimum due of {$290.00} and saw late fee applied as due date still the XXXX. CSA at Elan said to call back in a few days if late fee not reversed. 

XX/XX/XXXX- I noted late fee not reversed. CSA at Elan said there's nothing they can do. 


Regards, XXXX XXXX
Consumer complaint received 2023-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (FL)

On XXXX of XXXX, Discover Credit Card put me liable in my credit report for a credit card bill that i did not even open with them. I reported this to Discover since last year in XX/XX/XXXX. I came to find out about from a fraudulent withdrawal that i did not authorize in XXXX XXXX XXXX that a credit card was opened under my name. I spoke to Discover and they want me to file a Police Report, and get letter from XXXX XXXX XXXX stating that i did not have anything to do with the credit card fraud, and the Bank letters completely state that the transaction was refunded to me because i did not authorize anything to be done under my name. Thinking that they would take care of the credit card fraud, and instead i have to do so many steps to get it resolved. My credit was damaged because a credit card was opened under my name, and transactions started to happen last year in XX/XX/XXXX. Discover is billing me for {$860.00} for an amount that I did not even do. My previous Bank, XXXX XXXX XXXX disputed a withdrawal of {$700.00} and refunded me the money because they found the dispute in my favor. I never authorized anyone to use my information to open up a credit card under my name or even do Banking transactions. I never had a credit card with anyone, or never opened one up myself. I need help because Discover Credit Card put me as liable in the Credit Bureau, and i am a victim of fraud, and the transactions that point to different places in Florida are not mine, and I did not visit those places in those dates, and I know for a fact that those dates i was working full time. As well, i found out that two accounts were opened fraudulently with XXXX XXXX and they completed their investigation and found the case in my favor. I am just starting to fix my credit, because this is crazy to find out there was something like this.
Consumer complaint received 2023-07-28
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-28
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: Bread Financial Holdings, Inc. (MO)

On XX/XX/2023, a dispute was filed against Comenity. The report number is XXXX and I have no reason to believe that an investigation was done. Comenity has not updated the remarks to indicate that any true investigation was conducted. Account Number XXXX has not been investigated and has VIOLATED the FCRA 605- indication of dispute by consumer. attached are the dispute proof and how the account is currently being reported.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The following accounts/inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Bankruptcy Reference # XXXX ; INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

In accordance with the Fair Credit Reporing Act, Portfolio Recovery 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. 

With regard to Portfolio Recovery, who is the collection agency responsible for an original debt owed to XXXX XXXX XXXX. 

First and foremost, Portfolio Recovery furnished my credit report to the credit bureaus for the purpose of investigating a dispute without my written instuctions which has violated both section 602 A and Section 604 A Section 2. 

Furthermore, the dates reported on my credit report are incorrect. The date the account is listed to have been opened is fraudulently reported. I have disputed this information with Portfolio Recovery in an attempt to rectify the incorrect dates appropriately, however, Portfolio Recovery continues to knowingly report false information on my credit report. 

Some versions of my credit report depict different account information than other version of my credit report reporting on this same account, a clear and obvious depiction that Portfolio Recovery is reporting incorrect information as Portfolio Recovery, themselves, can not even keep the information straight.
Consumer complaint received 2023-07-28
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The following inquiries are fraud. They are in violation of USC 1681b. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX XXXX Inquired on XX/XX/XXXX and XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2020-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (NV)

AARGON COLLECTION AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft
Consumer complaint received 2023-07-27
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. (MO)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2023-07-27
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. (MO)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.