davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-15
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)

Every time my XXXX XXXX  applies for anything, my credit drops. My XXXX XXXX XXXX got canceled today because my credit score has dropped significantly. My sister swears she uses her own name and information when applying but I know she doesnt have the credit score to get approved. Her car, credit cards, and whatever else has affected me and Im at a loss for what to do. Because its effecting my life at this point.
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: VW Credit, Inc (IN)

On XX/XX/XXXX we had purchased XXXX XXXX XXXX and myself XXXX and XXXX XXXX XXXX V wagon XXXX XXXX XXXX XXXX volts wagon did not go through and give me the paperwork at the time and when financing was being done my credit score was XXXX. My ex fianc was XXXX I do not have any source of income or any job, they asked me XXXX XXXX the sales person at Volkswagen of XXXX Indiana if I had a job and I said no and he said we will make it work, so XXXX XXXX XXXX was the cosigner. We went into the financial room, was led onto tactics of paint jobs extra charges that was not needed and so we both declined anything they did not give us any financial work, but had to sign papers. I was not aware of Predatory Lending and this is what has happened. I contacted volts wagon for, a copy of the financial records that we were not given the time of the sale after we left with the Volkswagen I am very disturbed that my credit score has dropped and that this is a part of Predatory Lending. I did return the XXXX  to volts wagon, but I would like my credit score to be back where it was since this is illegal. I am very concerned that I was taken advantage of this is not right to do to someone and I was not told what was going on when I went to return the XXXX XXXX XXXX XXXX is going to put it into his name or his business name supposedly and he had a negative balance on his trade-in of a XXXX  that I was unaware about of XXXX dollars when I return the XXXX XXXX had gotten smart with me and also lied and said that I filled out paperwork for a job which I did not because I do not have a job, I would like my credit score back to XXXX and my name removed off this. I had to actually text and call volts wagon several times to even get the financial paperwork that was signed off on because they did not give it to us the day of the sale.
Consumer complaint received 2024-08-15
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. (CA)

ACCORDING TO XXXX XXXX XXXX - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Phone Number : XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Dispute of Debt - Account Number : [ XXXX ] Dear Sir or Madam, I am writing to formally dispute the validity of the debt you are attempting to collect related to The XXXX XXXX XXXX. This account was previously deleted from my credit report due to identity theft, which I have reported to the relevant authorities. 

It is concerning that this account has suddenly reappeared on my credit report after being removed. This may violate the Fair Credit Reporting Act ( FCRA ), which requires that accurate and complete information be reported, and that consumers not be subjected to double reporting of debts, commonly referred to as double dipping. The practice of reselling debt that has been previously charged off and reported as removed raises serious legal and ethical issues. 

Under FCRA Section 605 and FDCPA Section 1692e, consumers are protected from deceptive practices, including the re-reporting of accounts that have been properly disputed and verified as fraudulent. I believe that your collection efforts on this account violate these federal laws. 

As such, I demand that you provide validation of this debt, including proof that I am responsible for it, and that you cease all collection activities until such validation is provided. 

Thank you for your immediate attention to this matter. I expect a prompt response confirming that this account will be removed from your records, as it should not have been reported again. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always pay on time, so Im not sure why the company is showing late payments for specific months. Based on USC 1666b, billing errors need to be corrected, and the account should reflect payments as agreed.
Consumer complaint received 2024-10-15
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)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-15
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX XXXX XXXX PL XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$490.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-14
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. (PA)

This morning, I saw unauthorized inquiries on my credit report, and I dont understand how they got there. I always check my credit report, and nothing like this has ever happened before. I refreshed my browser, thinking it might be a mistake, but the inquiries didnt go away. Im asking for an urgent review of the documents I sent to resolve this once and for all. I am beyond frustrated that this happened.
Consumer complaint received 2024-09-04
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. (MS)

I need your help with an incorrect account listed on my credit report. This matter has negatively impacted my reputation, and I require your assistance. Your mishandling of my credit information has caused significant distress, and the inaccurate reporting has damaged my standing. Please remove these errors so I can live peacefully with my family.
Consumer complaint received 2024-10-15
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. (MD)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-04-27
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (GA)

I recently reviewed all my student loan accounts and found 2 schools listed that I did not attend. I have 3 student loan accounts listed under my name for the XXXX  XXXX XXXX. These accounts include 3 loans : 1 ) Current Balance Amount {$7600.00} Disbursement Date : XX/XX/XXXX XXXX ) Current Balance Amount {$33000.00} Disbursement Date : XX/XX/XXXX XXXX ) Current Balance Amount {$38000.00} Disbursement Date : XX/XX/XXXX Total Balance of all Accounts = {$80000.00} I have another student loan account listed under my name for XXXX XXXX. This account includes : Current Balance of Account = {$18000.00} Original Principal = {$13000.00} Disbursement Date XX/XX/XXXX Total Balance of both Schools Accounts = {$98000.00} This is quite disturbing to me, especially when I see the last disbursement date of XX/XX/XXXX. I have never taken out any student loans with these schools. I graduated from XXXX XXXX University with a Bachelors degree in XXXX. That was the only and last university that I ever attended. That is why Im confused as to how the above referenced accounts are showing up on my credit report. That is also the reason why these student loans have not been included in my consolidation and student loan forgiveness accounts. I have already contacted Aidvantage in XX/XX/XXXX requesting a Loan Discharge for these accounts and my request for Loan Discharge was denied. I also sent disputes to each of the schools with no reply. I am disputing all of the above referenced accounts due to the fact that I never attended these schools. By publishing these inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness. This nearly $ XXXX debt is creating an inaccurate Debt-to-Income ratio on my credit report and negatively affecting my credit score for the past few years. This discrepancy is causing me to miss out on credit building opportunities including housing, credit cards, and auto loans.
Consumer complaint received 2024-10-13
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)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2024-09-04
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. (TX)

Hello, my name is XXXX XXXX. I am writing to request your assistance in addressing several inaccuracies on my credit report that require correction under the Fair Credit Reporting Act ( FCRA ). After a recent review, I have identified the following issues that need attention : Inaccurate accounts Incorrect addresses Billing inaccuracies I would greatly appreciate your help in resolving these matters and ensuring the accuracy of my credit report. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-14
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. (DC)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXXXXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-10-14
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. (IN)

I am writing to file a complaint regarding XXXX XXXX XXXX, specifically related to account number XXXX. I have serious concerns about their access to my personal information and their legitimacy as a debt collector. 

I did not consent to XXXX XXXX XXXX accessing my personal information when they purchased my debt. Furthermore, I have noticed that this account is not reported on other credit bureaus, raising questions about its validity. Additionally, I believe that XXXX XXXX XXXX does not hold a valid license to collect debt in Indiana. 

Given these circumstances, I am requesting the immediate deletion of this debt from my credit report. Please be advised that failure to comply with this request may lead me to take legal action, seeking {$1000.00} per violation, as well as recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Flagstar Bank wrongful credit delinquency on XXXX on XX/XX/year>. I accessed the archives of Flagstar.com showing proof of the disabled website. Please see attached.
Consumer complaint received 2024-10-14
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. (GA)

I am reaching out to file a complaint on XXXX, XXXX and TransUnion about items on my consumer report that, by law, should not be reported. These institutions are currently reporting items, and I would like to address it. On XX/XX/XXXX and XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report. This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that TransUnion, XXXX and XXXX cite the specific law that requires them to report a transaction as a late payment. The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( a ) Time to Make Payments : ** A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. I am requesting that XXXX, XXXX and TransUnion provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. Furthermore, I have attached documentation from XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Consumer complaint received 2024-10-14
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)

I received a garnishment disclosure dated XX/XX/year> in re : transactions that were not made by me. The fraudulent amount totals {$360000.00}, plus fees, I never gave written consent to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ), to report or furnish my information on my consumer report or any other entity.
Consumer complaint received 2024-10-14
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)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which XXXX about to seek. You are willful non-complying with the FCRA. 

Since you claim XXXX verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX
Consumer complaint received 2024-10-15
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-14
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. (DC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I REQUESTED DOCUMENTS FROM KHOLS / CAPONE AND WHAT METHOD WAS USED TO VERIFY MY ACCOUNTS. THEY NEVER PROVIDED ANY PROOF. THE ACCOUNT IS INACCURRATE AND ITS NOT REPORTING THE RIGHT BALANCE ON XXXX AND XXXX. THE DATE OPEN AND DATE OF LAST ACTIVITY ARE INACURRATE AND BALANCES ARE DIFFERENT. I HAVE SECURITY CREDIT REPORTING IN ACCURATE ON XXXX, XXXX, XXXX. DATE OPEN DATE OF LAST ACTIVITY. THIS IS A COLLECTION ACCOUNT. I HAVE ASKED FOR PROOF OF THIS ACCOUNT AND HOW IT WAS VERIFIED THEY NEVER SENT ME ANYTHING ON HOW IT WAS VERIFIED. THIS ACCOUNT IS REPORTING ON XXXX TWICE. XXXX XXXX XXXX IS REPORTING INACCURRATE DATE OF LAST ACTIVITY AND DATE OPEN. THEY NEVER SEND ANY DOCUMENTS ON HOW IT WAS VERIFIED. XXXX XXXX IS REPORTING INACCURRATE BALANCES AND DATE OPEN. THEY NEVER SEND OVER HOW THEY VERIFIED THE ACCOUNT. PLEASE HELP ME RESOLVE THIS MATTER.