davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
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. (GA)

I noticed an inquiry on my credit report for which I did not give consent. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, inquiries on your credit report must be made with your consent. If you notice an inquiry that you did not authorize, you can dispute it. Heres how it works : Dispute Rights : You have the right to dispute unauthorized inquiries, and the credit reporting agency must investigate your claim.

Section 1681i : If the inquiry is found to be unauthorized, it must be removed from your report.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAINE & WEINER COMPANY, INC. (AR)

XXXX XXXX XXXX opened XX/XX/XXXX XXXX {$1000.00} XXXX Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$15000.00} written off. 

XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$28000.00} Status XXXX XXXX XXXX opened XX/XX/XXXX Balance {$4700.00} Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 

CAINE & WEINER Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00} Status Collection account. {$1400.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. {$9900.00} past due as of XX/XX/XXXX.
Consumer complaint received 2023-06-13
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. (TX)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX Texas XXXX. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 


I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX, XXXX XXXX : XXXX Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Texas XXXX
Consumer complaint received 2024-07-31
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. (NC)

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found a collections account from original creditor XXXX XXXX XXXX but held by debt collectors XXXX XXXX XXXX in the amount of {$1300.00}. This is fraud and I asked that it be corrected on my credit report immediately.
Consumer complaint received 2024-09-29
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)

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX  XXXX number XXXX payment late XX/XX/year>2021 2021
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Continuing case from case XXXX. Now I have a police report of all my a ccounts. You guys put me in XXXX XXXX. Ill get my money back but bank of America put a false claim in to XXXX XXXX. You guys put me in there. You guys get me out. XXXX That I lost. Remove me from XXXX XXXX.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XX/XX/year> I got hit with a late fee. The reason for this is because I never got the bill and it kept going to my spam folder. I had called XXXX about this matter and they said if I made the payment and paid the account off in full they would remove this late fee as good faith since i've NEVER been late. For some reason they did not remove the late fee on my credit report which is the current situation. I have tried to call them a few times about this manner and they seem to not know what there doing and giving me the run around.
Consumer complaint received 2024-09-29
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. (AZ)

On XX/XX/XXXX I pulled my credit file from TransUnion LLC. credit report file number XXXX and located two closed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which have been obtained and are currently being furnished in direct violation of 15 U.S.C.6802 ( b ) in addition to being in violation of FCRA U.S.C 1681i, 15 U.S.C. 1681s-2 ( a ) ( 2 ), and FDCPA 15 U.S.C. 1692 et seq. 

On XX/XX/XXXX I composed a letter to TransUnion LLC. informing them of the violations and sent them a dispute letter on XX/XX/XXXX certified mail to ; TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX On or around XX/XX/XXXX I called TransUnion LLC. to inquire as to the status of my dispute and was informed that they have the legal right to obtain and furnish any information about me without needing my permission. 

On XX/XX/XXXX I received notification via a secure message from TransUnion Customer Relations informing me that my dispute results were available. Upon logging into the system I found the information was not deleted from my credit file, they simply updated some information on the account.
Consumer complaint received 2024-09-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

Subject : Urgent Complaint Regarding Unethical Financial Practices Dear Consumer Financial Protection Bureau, I am writing to formally express my dissatisfaction and concern regarding an experience I had XXXX XXXX XXXXXXXX dealership. On XX/XX/year>, I placed an order for a brand-new XXXX  XXXX XXXX XXXX. The dealer quoted me a vehicle price of {$57000.00}, with a subtotal of {$57000.00}, sales tax of {$5000.00} ( 8.875 % ), and a processing fee of {$170.00}. The total amount due on delivery was {$62000.00}. 

On XX/XX/year>, I was informed that my vehicle was ready for pickup and final documentation. The sales representative advised me to provide a down payment of {$8000.00}. However, I indicated that I wished to pay the full amount in cash via a certified check. When I arrived at the dealership, I was advised to finance the purchase. Despite having {$70000.00} available, I was told by Business Manager XXXX XXXX that I could only pay {$50000.00} in cash and would need to finance the remaining balance due to dealership policy. 

XXXX XXXX assured me that financing {$50000.00} would result in a favorable interest rate, and I would only need to make one payment initially. He claimed that the interest rate would not significantly impact me, and I would be able to pay off the remaining balance in XXXX. I was directed to obtain a certified check for {$50000.00} from a nearby XXXX XXXX, which I did. 

When I returned to the dealership, XXXX XXXX presented me with paperwork, congratulated me on the financing terms, and explained that my credit score of XXXX would not result in a substantial financial impact due to the favorable terms. He wrote down that my monthly payment would be {$440.00}, and I signed the documents in good faith. 

Upon reviewing the documents at home, I was shocked to discover that the finance charge fee amounted to {$7900.00}, with an annual percentage rate of 9.70 %. The total amount of credit was listed as {$24000.00}, and the total payment over the term of the loan was {$31000.00}. This resulted in a total sale price of {$81000.00}, when the initial total amount due on delivery was {$62000.00}. 

It appears I have been misled and pressured into taking an unnecessary loan, incurring an excessive finance charge. I feel that I have been a victim of unethical practices by XXXX XXXX and the dealership. 

I request immediate assistance in resolving this matter. I seek a thorough review of my case and a correction of the finance terms to reflect the true cost of the vehicle. I appreciate your prompt attention to this serious issue. 

Thank you, Vehicle XXXX XXXX
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (TX)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove thefraudulent accounts from my credit report as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-28
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)

My TransUnion credit report shows XXXX XXXX performed a hard pull on XX/XX/XXXX and another on XX/XX/XXXX. I was not approved for my only XXXX XXXX card until XX/XX/XXXX. Their application process states they only perform a hard pull upon approval. 

I filed a complaint with XXXX, but they incorrectly referred to the XX/XX/XXXX pull as a soft pull and refused to remove it. However, my credit report clearly shows it as a hard pull under " Regular Inquiries, '' not " Account Review Inquiries '' where soft pulls appear. 

XXXX 's response ( attached ) falsely claims the XX/XX/XXXX inquiry was soft and provides no valid reason for its refusal to remove it. 

TransUnion does not offer a direct way to dispute this, and XXXX seems to have misunderstood the issue. 

Please remove this unauthorized hard pull from XX/XX/XXXX. I have attached proof of my sole XXXX account, opened on XX/XX/XXXX, documentation that my XX/XX/XXXX application was denied, and proof of XXXXXXXX XXXX policy to perform a hard pull only upon approval.
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (NY)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint concerns the XXXX  XXXX charge-off ( Account # XXXX ) that was updated on my TransUnion credit report following an investigation ( File Number : XXXX, Date Issued : XX/XX/year> ). While TransUnion claims that the information was " verified as accurate, '' it merely updated the " Date Updated '' and " Remarks '' without properly addressing the fundamental inaccuracies in the account reporting. I firmly believe this account is being inaccurately reported and that this violates several federal statutes, as detailed below : First, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am entitled to a thorough and complete investigation of any disputed information. XXXX XXXX has not provided adequate verification to substantiate the reported balance of {$6100.00}, and without proper documentation, the information can not be deemed accurate. Furthermore, the FCRA 15 U.S.C. 1681s-2 ( b ) obligates furnishers of information, like XXXX XXXX, to conduct reasonable investigations and correct or delete any inaccurate information. The charge-off and balance reported must be removed because they have not been properly validated. Second, it is misleading for XXXX XXXX to report a charge-off while continuing to report a balance of {$6100.00}. The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e prohibits the use of false or deceptive representations in connection with the collection of any debt. Reporting a charge-off while simultaneously listing an outstanding balance without providing evidence to support both is inconsistent and misleading. This misreporting is negatively affecting my credit score and financial standing. Additionally, under the FCRA 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. In this case, TransUnions failure to obtain adequate verification from XXXX XXXX has resulted in inaccurate information being reflected on my credit report, which violates this standard of accuracy. Given these violations of the FCRA and FDCPA, I request that this XXXX  XXXX charge-off be removed from my credit report immediately. I also ask for written confirmation of its deletion. Should this issue not be resolved promptly, I am prepared to escalate this matter further and seek all available legal remedies for non-compliance with federal law. 
Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-09-29
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. (VA)

I inquired of the US Federal Court if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to XXXX, XXXX, Transunion and XXXX XXXX. They all stated they validated the debt and the information remained on my report. I received a letter from the Court they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.
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: Experian Information Solutions Inc. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-09-28
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)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-09-06
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: Experian Information Solutions Inc. (AZ)

I have contacted you in 2 previous letters asking for investigation and reinvestigation into the accounts listed. Both times they have been verified and updated with no supporting evidence to show why after I requested it. I have attached the letters. 

This account was charged off in XXXX of XXXX. Since then the account has repeatedly been updated as " charged off '' every month. This is an update in payment history. A charged off account should NOT include any active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my consumer rights. I am demanding a deletion of the following account to remedy this violation of my rights : ACCOUNT : XXXX  XXXX # XXXX
Consumer complaint received 2024-09-28
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. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX