davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-15
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. (IN)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

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 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. 

Item Number Company Name Account Number Comments XXXX. XXXX XXXX XXXX XXXX {$850.00} XXXX. XXXX XXXX XXXX XXXX off {$210.00} XXXX. XXXX XXXX XXXX XXXX Paid closed/never late XXXX. XXXX XXXX XXXX Missed/late payments XXXX. XXXX XXXX XXXX XXXX {$990.00} open balance XXXX. XXXX XXXX XXXX XXXX {$3300.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$550.00} Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely, XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

TransUnion is reporting my account closed on XX/XX/XXXX, where as this account was to fall off the report this XXXX. 

I have another document showing the original close out date on XX/XX/XXXX XXXX did this as well on my accounts. 

XXXX, to date is still keeping the original closure date of the account. 

This is complete FRAUD and a SCAM to me. These actions are directly hurting my ability to find a home to live and is constantly creating a breach of my peace. I have been dealing with this issue of False Reporting for years with XXXX XXXX 

I want these three accounts removed off the credit report. They are legally at the timeframe to fall off the report and changing the dates of original closure is against the federal law. 

These actions of removal need to happen immediately, or I will be forced to litigate against each company participating in the FRAUD related to the accounts in question.
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$1700.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to express my deep disappointment upon discovering a bankruptcy entry in my credit report. After careful examination, it has become evident that this entry does not correspond to any actions or decisions made by me. As a diligent and responsible individual, maintaining a positive credit history has always been a top priority. Therefore, encountering such a significant error is not only concerning but also distressing. Please keep me informed of the steps taken to address this issue and provide updates on the progress of the dispute resolution process. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account.
Consumer complaint received 2024-07-22
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

I am writing to file a complaint against Citibank regarding their failure to resolve a dispute concerning an unauthorized charge from XXXX XXXX. 
On XX/XX/year> I rented a vehicle from XXXX XXXX. I returned the vehicle on XX/XX/year>, as agreed. However, I was subsequently charged in the amount of {$58.00} for an additional day, Saturday XX/XX/year> which was incorrect as I had already returned the vehicle. 
Upon discovering the unauthorized charge, I contacted XXXX XXXX. Staff members XXXX and XXXX confirmed the error and assured me that a refund would be issued. Despite their assurances, I did not receive a refund from XXXX. 
I then filed a dispute with Citibank, explaining the situation and providing documentation of my communication with XXXX. However, Citibank concluded that the dispute was my responsibility, without providing a clear explanation or evidence to support this decision. 
I requested that Citibank provide me with the response from XXXX to their dispute investigation. To date, I have not received this information. 
I have attempted to resolve this matter directly with XXXX today on XX/XX/year>. I visited the XXXX location where I rented the vehicle and spoke with XXXX. She acknowledged the error and stated that she would issue a refund. However, this matter hasnt reached a resolution as of today yet. The phone number of this local XXXX XXXX  at XXXX Oh branch is ( XXXX ) XXXX. Citibank could call this number directly to verify my circumstances while their ongoing investigation. 
I believe that Citibank has failed to conduct a thorough investigation into this matter and has not acted in good faith. I have provided all necessary information to support my claim, and I have been consistent in my explanation of the situation. 
I am requesting that the Financial Consumer Protection Bureau investigate this matter and take appropriate action to hold Citibank accountable for their failure to resolve this dispute.

Thank you for your attention to this urgent matter. 
Sincerely, XXXX
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BMO Bank, N.A. (OR)

BMO sent a promo rewards offer of spend {$600.00} per month on card, receive {$25.00} cash back, able to use in XXXX and XXXX. Never received reward and called. They claimed offer was for " another card '' even though I had a hard copy received in mail for offer. 

Obtained a supervisor in XXXX who promised to honor the offer, swore up and down I would receive the {$50.00} in rewards but at the end of XXXX. No rewards. 

Called again to have a supervisor insist no such promise took place and additionally claimed the offer was for " a different card '' and I couldn't obtain it. 

Bait and switch and also brazenly lied to by customer support. I spent {$1200.00} on their credit card in order to receive this {$50.00} in rewards and never received it and worse, keep on the phone for hours trying to get it to have someone argue with me that there never was the offer in the first place or it's on a " different card ''. 

XXXX by XXXX, bait and switch. 

Documents were offer which I no longer have but also phone logs where supervisor promised I would receive the {$50.00} at the end of XXXX. BMO magically claims there are no such notes when I specifically demanded the supervisor make those notes in the account and he swore he did.
Consumer complaint received 2024-07-22
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-07-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-18
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. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach. I have also had an ex use my information before without my knowledge. I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing with the utmost urgency to demand immediate action regarding the fraudulent accounts and erroneous information unlawfully reported on my credit file. As a victim of identity theft, it is imperative that this situation is promptly rectified. I insist that you take the following actions forthwith : Expunge all fraudulent accounts from my credit report. 
Provide written confirmation that these items have been removed. 
Conduct a comprehensive investigation into how these accounts were erroneously reported. 
Ensure that all future credit reports reflect accurate information and are devoid of any fraudulent activity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2024-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

Congress passed the No Surprises Act to help protect Americans from certain unexpected medical bills, including surprise medical bills for emergency services from out-of-network providers. In addition, the CFPB told debt collectors and consumer credit reporting companies that they cant collect, furnish, or report any invalid medical debt.

The three nationwide credit reporting companies XXXX, XXXX, and XXXX also removed all paid medical debts from consumer credit reports and those less than a year old. They have also taken steps to remove all medical collections {$500.00} and under. If you mail anything to me via mail it will be considered mail fraud, aggravated identity theft and extortion.

18 U.S. Code 1028A - Aggravated identity theft Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

18 U.S.C. 1341 is a federal law that defines mail fraud. It states that mail fraud occurs when someone uses the U.S. mail to further a criminal act, such as by : Devising a scheme to defraud, Intending to perform fraudulent acts, Mailing something to execute the scheme, and Making false representations.

18 U.S.C 884- Collection of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.
Consumer complaint received 2022-12-01
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. (MI)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXXXXXX XXXX  ( Opened XXXX XXXX, XXXX, Balance {$680.00} ), XXXX XXXX XXXX XXXX XX/XX/XXXX, Credit limit {$250.00} ), XXXX XXXX XXXX XXXX XXXX XXXX Opened : XXXX XXXX, XXXX, Balance : {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Opened XX/XX/XXXX, Highest Balance {$370.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-07-19
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. (MO)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-18
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. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. 

XXXX XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXXXXXX {$260.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2024-07-22
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. (IL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (CA)

I got my credit card when I went to college at XXXX in XXXX. I do not remember ever signing up for a payment protection plan. I have never missed a payment in 15 years but I have started wondering why I have fees on my statements. I looked into payment protection at discover and learned that there have been several class action lawsuits against discover for payment protection plans being deceptive services. I saw that they paid customers back. I called discover to ask about this and they told me that I agreed to the terms in XXXX. This was three years before discover admitted to deceptive practices with this exact service. I told them I would have never knowingly agreed to pay for a service I never intended to use. They said they sent a letter in XXXX after the class action suit but I never received this. I cant even find where the service is listed in my discover app, so I have no idea how I would know I was ever enrolled and now that I do I cant even see where I would be able to cancel it in the app. I got a call back from discover last night and they said that they would forgive my last 6 billing periods as a courtesy and I told them that was outrageous. They said that is all they would offer and I told them that I would have to contact another entity as I want my entire history of payment refunded from a payment protection plan that they have had to admit was deceptive and predatory in the past.
Consumer complaint received 2024-07-16
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: HYUNDAI CAPITAL AMERICA (OK)

In a attempted XXXX by Hyundai finance at XXXX I was XXXX XXXX XXXX XXXX & my XXXX XXXX. I was communicating by email with Hyundai finance since XX/XX/XXXX & then by phone offering a XXXX. They immediately denied the offer. 
I then asked for a detail summary of the account of what I have paid, late fees applied, & charges for paying by phone & charges for insufficient funds. They sent me amt. XXXX, rate ( XXXX ), term, monthly payment, first payment due date & total of payments. Also on my credit report the amt owed is different from my contract total. 
The amt. Financed is {$15.00}, XXXX percent XXXX  month term monthly payment {$310.00} first payment due date is XXXX XXXX of XXXX total of payments is {$19.00}, XXXX the the balance owed is {$4.00}, XXXX, but the amt. Charged off is different. I'm claiming {$2000.00} for injury to XXXX XXXX XXXX XXXX XXXX XXXX & dXXXX XXXX XXXX XXXX XXXX XXXX XXXX Since this has. Gone on so long i.have lowered my settlements offer to {$1000.00}. Payable now. They refused my offer my car is still up for XXXX & want {$2500.00}. Now & XXXX days {$2000.00} more but the possibility of my car being XXXX.