davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
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)

Subject : Complaint Against TRANSUNION for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TRANSUNION for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : XXXX I have previously disputed the accuracy of this charge off account with TRANSUNION and provided evidence that the information is inaccurate. However, TRANSUNION has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. TRANSUNION refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against TRANSUNION for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that TRANSUNION upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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. (TX)

I am filling FTC Identity Theft to report 4 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 fraudulent accounts consist of a. COLLECTIONS opened are XXXX XXXX XXXX {$2500.00} on XX/XX/year> on XX/XX/year> COLLECTIONS opened at XXXX XXXX XXXX {$380.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Consumer complaint received 2024-10-23
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. (IL)

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX, XXXX XXXX, XXXX, and XXXX. This has cause me great XXXX, stress, and financial hardship.
Consumer complaint received 2024-10-23
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. (NY)

THIS NEGTATIVE ITEM THAT THIS COMAPANY REPORT TO THE XXXX XXXX WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY ON AUTHORIZED TO FURINISH ANY REPORT TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDER IDENTITY THEFT UNDER 15 USC 1681
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am distressed that you have included the information below in my credit pro-file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible ac-curacy 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 ) ( l ) ( 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 re-port. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable ac-counts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-22
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. (MI)

Dear CFPB, I am writing to formally dispute Auto Club Trust, FSB ( ACT ) continued reporting of a charge-off on my credit report. This is more than a simple reporting issueit reflects a disturbing pattern of double-dipping and potential fraud designed to manipulate both consumer reporting agencies and the U.S. tax system. 

ACT has classified this alleged debt as a charge-off, which should signify its closure and removal from my credit report. Yet, they persist in reporting the account, benefiting from it in multiple ways. It is clear they are attempting to exploit the system by claiming the charge-off as a tax deduction, while simultaneously inflicting harm on my credit profile. This contradiction not only raises ethical concerns but also puts them in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates accurate reporting.

Let me also make this abundantly clear : I have a legal right to privacy under these laws. ACT 's failure to verify and remove this alleged debt is a violation of my consumer rights, and I am entitled to {$1000.00} per violation under the FCRA. These violations continue to accumulate each day this illegitimate charge-off remains on my credit report. 

ACTs actions represent a deliberate attempt to double-dip by simultaneously taking advantage of the tax benefits from a bad debt deduction under 26 U.S. Code 166 ( Bad debts ) while profiting off the damage caused to my credit. This kind of conduct could very well constitute tax fraud, and I fully intend to bring this matter to the attention of the IRS if it is not resolved immediately. 

I demand the following : Full documentation of the procedures ACT has followed in verifying this alleged debt and their basis for continuing to report it as a charge-off. This includes every step of their process, the employees involved, the internal communications, and the exact e-signature procedures used to verify this account. I want to know who signed off on this, down to the managers managers, their lunch breaks, and the step-by-step actions taken to ensure accuracy. 

Proof that ACT has not claimed this debt as a tax write-off while continuing to report it to the credit bureaus. If ACT is attempting to benefit both waysby claiming the account as a loss while still using it to harm my creditthis is a clear case of tax evasion, and I will report it to the IRS for further investigation.

Immediate removal of this charge-off from all credit reporting agencies. The continued reporting of this account as a charge-off, while ACT derives other benefits from it, is a blatant violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). If not removed promptly, I will pursue further legal action under the FCRA, FDCPA, and any applicable state laws.
Consumer complaint received 2024-10-22
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. (SC)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2016-01-26
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, 2015 my bank sent out a check to Old Navy and paid the entire balance of {$1300.00}. The statement was sent from my bank and showed the check number, date cleared, etc ( it cleared on XX/XX/XXXX ). Since the beginning of XXXX, I 've been desperately trying to get this resolved! I 've been given the runaround by both Old Navy AND Sychrony Bank. It had even gone as far as them giving me phone numbers and fax numbers that do n't exist. I have tried faxing my bank statement showing the payment made over XXXX times and have called about XXXX times. Now, I 'm receiving a letter through mail that they are charging me late fees and sending me to collections for non-payment. Please help me! I 'm losing sleep over this because I do n't want my credit to be ruined.
Consumer complaint received 2016-04-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

In late XXXX, 2015 several pieces of mail containing checks were stolen from a mailbox in front of a post office. XXXX check were written on a Chase bank account. Of these checks, XXXX were fraudulently cashed by the thieves and copies of these checks were also then washed and forged with unknown payees and cashed again resulting in XXXX frauds on each of these XXXX checks. The third check was cashed by an unauthorized party even though the payee wasnt altered. A police report was filed and Chase was notified of the thefts early in XXXX, 2015 and the account was closed. 
Several trips were made to the bank in the six months since the frauds took place and Chase has given credit for XXXX of the XXXX checks in dispute but Chase has failed to issue credit for the XXXX remaining frauds citing still pending review. 
I believe six months is more than adequate time for a review to have taken place and they have cited a lack of personnel in their reviewing department as a reason for the delay. I believe since they are responsible for the delay, the funds should be credited to my account in the interim. 
In addition, on my most recent visit to the bank to discuss the status, I was informed a letter was sent out me explaining the delay but as of today no such letter has been received.
Consumer complaint received 2024-10-23
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. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-27
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
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. (NJ)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-10-22
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. (SC)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$6000.00} XXXX XXXX XXXX XXXX  XXXX - XXXX - {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - XXXX XXXX {$8400.00} XXXX XXXX XXXX - XXXX - XXXX - {$27000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$4900.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-22
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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-23
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)

I reviewed my Consumer report and notice that I had XXXX late payments on an account. account name XXXX XXXX # XXXX. The account number are not consistent with all credit reporting agency. 
In accordance with fair credit reporting act. This creditor have violated my rights. Under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states consumer reporting agency can not provide account without my written instruction. Under 15 U.S.C 1666b a creditor may not treat a payment on a account under a open end consumer credit report as late for any purpose. I demand these payments be updated to on time as they should be. Thank you
Consumer complaint received 2024-10-23
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 AM A VICTIM OF IDENTITY THEFT AND FRAUD. 
XXXX XXXX CORPORATE HACKERS AND IMPOSTERS HAVE STOLEN {$1600.00} FROM ME SINCE XX/XX/year> BY TRIPLICATING XXXX XXXX XXXXXXXX CREDIT CARDS BY STEALING MY SOCIAL SECURITY #, CHANGING MY NAME TO FAKE NAMES AND POSTING XXXX FAKE XXXX XXXXXXXX CREDIT CARD ACCOUNTS ON CREDIT BUREAUS, SEE XXXX REPORT ATTACHED. XXXX XXXX DID NOT POST {$1600.00} CREDITS PRIOR TO CLOSE XX/XX/year> ON BOTH CREDIT CARDS IS FRAUD AND IRS FRAUD. MY NAME IS NOT XXXX XXXX OR XXXX OR ANY OTHER FAKE NAMES. XXXX IS CORRUPT AND ALLOWS CRIMINAL ACTIVITY BY IMPOSTERS AND CORPORATE HACKERS. 
XXXX IS TO BLOCK BOTH XXXX XXXXXXXX CREDIT CARDS, POST ALL XXXX XXXX XXXXXXXX CAR PAYMENTS, DELETE ALL SOFT INQUIRIES, i HAVE A 7 YEAR XXXX XXXX, XXXX. SECURITY FREEZE AND OPT OUT, NONE OF THESE INQUIRIES ARE PERMISSABLE & NO COURT ORDER XXXX ILLEGAL=CREATES MORE FRAUD= FCRA VIOLATIONS, AND INCREASE MY XXXX XXXX. 
XXXX XXXX IS A FAKE NAME ON CREDIT REPORT. 
FTC IDENTITY THEFT REPORT, # XXXX XXXX POLICE REPORT IDENTITY THEFT & FRAUD SCHEMES AGAINST XXXX XXXXXXXX. 
XXXX FCRA UNITED STATES GOVERNMENT NEEDS TO SHUT DOWN XXXX XXXX AND REMOVE THE OWNER, XXXX OFF FEDERAL RESERVE.
Consumer complaint received 2024-10-23
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. (NY)

THIS NEGATIVE ITEM THAT THIS COMPANY REPORT TO THE CREDIT BUREAU WHICH WAS A CHARGE OFF I DID NOT GIVE THIS COMPANY AUTHORIZED TO FURNISH ANY REPORTS TO MY CREDIT REPORT THEY DID NOT HAVE MY WRITTEN CONSENT IN THIS ALSO CONSIDERD IDENTITY THEFT
Consumer complaint received 2024-11-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a Bank of America customer for last 24 years. However, I am surprised by the scam run by them. 

On XX/XX/XXXX I signed up for a CD with Bank of America. account # XXXX. 
The interest rate on the application was 5.00 % APY. for a term of 7 months. The interest payment is monthly and the method is reinvestment. 
I filled the application online and verified my credentials at Bank of America branch at XXXX XXXX XXXX XXXX, XXXX CA XXXX. 

The online CD account itself is not accessible for information. It shows a number/amount with no details about the CD. 

On XX/XX/XXXX, this CD matured and auto-renewed. No email or documentation was sent to me at the time. I was on travel at the time and could not visit the bank personally. However, I expected the bank of send me correct information or provide access to that information online in their app. 

On XX/XX/XXXX, I received a letter saying that the fixed term CD will mature on XX/XX/XXXX. Again in the note, there is nothing clearly stating my interest rate. 

I went to the bank branch in XXXX, CA, today ( XX/XX/XXXX ) to figure out my next steps regarding the CD. 

This is where I learn that the original CD interest rate of 5.00 % APY was changed at the XX/XX/XXXX, renewal to 0.03 % APY. This resulted in a significant financial loss to me of almost {$3000.00}. The interest rate at Effectively Bank of America is running a scam. They are getting folks to sign up on CD 's with promising interest rates ( 4 % to 5 % ) for the first term, and then renewals at near 0 %. This is resulting in losses to investors in the CD and also significant loss of trust of the Bank of America- who is reputed as a good bank. Not anymore.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Subject : Dispute of Inaccurate Information Reported by TransUnion To Whom It May Concern, I am writing to file a formal complaint against TransUnion for the inaccurate reporting of personal information on my credit report. TransUnion has listed addresses, names, and an employer that is incorrect and not affiliated with me in any way. 

Specifically, the following erroneous information has been reported : Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Name : XXXX XXXX ( I have never gone by this name. My legal name is XXXX XXXX. ) Employer : XXXX XXXX ( I have never been employed by this company. ) This reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. XXXX failure to maintain accurate records has harmed my credit report, and I demand that this erroneous information be corrected immediately. 

Further, according to Black 's Law Dictionary, " accuracy '' within the scope of credit reporting includes the duty of reporting agencies to ensure that the data they report reflects the true and correct information of the consumer. Failure to maintain accurate information may expose the agency to civil liability under the FCRA. 

Given the case of XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), it is clear that credit reporting agencies are obligated to conduct independent verification when there is a dispute regarding personal information, rather than relying solely on the furnisher. This misreporting demonstrates that TransUnion has not fulfilled its legal duty to ensure the accuracy of the information on my report. 

Please launch an investigation into this matter and ensure that the erroneous information is corrected immediately. Additionally, I request written confirmation of the actions taken to rectify this issue. Failure to comply may result in further legal action to enforce my rights under the FCRA. 

Thank you for your attention to this matter, and I expect a prompt response in accordance with FCRA guidelines. 

Sincerely, XXXX XXXX