davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
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. (NY)

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I want to emphasize that I have already contacted the company associated with this account, submitted the necessary documents, and had the account promptly deleted from their records. Moreover, other credit bureaus have already removed this account from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting this fraudulent account. 

XXXX XXXX
Consumer complaint received 2024-07-01
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. (MA)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-07-01
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. (KY)

This letter is to inform you that I recently received a copy of my report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Under the Fair Credit Reporting Act 15 U.S.C. 1681g I have the right to demand that you disclose to mee all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below in 30 days of receipt of this letter then you must remove these accounts from my credit report. I demand the following accounts be promptly verified or removed immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-07-01
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)

HI CFPB, please help me with this complaints : Im writing because yall have been violating United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). Youve been furnishing reports for credit or insurance transactions that I didnt initiate. When I pulled my credit report, I saw multiple violations. Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

According to the law, a consumer reporting agency can only furnish a consumer report for credit or insurance transactions that I didnt start if : ( A ) I authorize the agency to provide such a report. ( B ) ( i ) The transaction is a firm offer of credit or insurance. 
And you can't furnish a record of inquiries for credit or insurance transactions that I didnt initiate unless it's provided in section 1681g ( a ) ( 5 ) of this title.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ), if someone obtains a consumer report under false pretenses or without a permissible purpose, they owe actual damages or {$1000.00}, whichever is greater, plus punitive damages as the court may allow. 

I didnt initiate these inquiries. If you think I did, send me copies of my written signature giving consent. The items below need to be removed from my report under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX Where did you get this misleading information? This is unfair! DELETE! 
Under 15 U.S. Code 1681n ( b ), youre civilly liable. Ive already reported this to the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 

My rights under Section 611 of the Fair Credit Reporting Act are clear. I demand these accounts be deleted from all current and future credit reports. Send me the full credit report along with the investigation results to XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

Thank you for your help with these inaccuracies. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-01
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)

I appreciate your time to read my complaint, Im complaining about the accounts, inquiries, and addresses in my credit report. This information in my credit file are resulted from identity theft, I need these to be removed immediately. This information reporting in my file are not relate to any transactions obtaining any possession of goods, services or money that I have made or XXXX XXXXXXXX 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 XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$200.00} XXXX XXXX Balance Owed : {$390.00} XXXX XXXX Balance Owed : {$390.00} XXXX  XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-07-01
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. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$390.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$580.00} XXXX XXXXXXXX XXXX Balance : {$83.00} XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-01
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)

SENT THIS LETTER MANY TIMES.

According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as notify all parties who received my credit report in the past XXXX months. I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 

THEY REFUSE TO DELETE THIS INFORMATION AND IT IS FALSE AND INACCURATE.
Consumer complaint received 2024-07-01
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)

XXXX XXXX XXXX is reporting 2 tradelines on my TransUnion credit report that are not my accounts. I have disputed this information and you have constantly came back verified without proper information. I have filed an ftc identity theft report as I have stated many times these accounts are not mine. I demand these accounts be removed immediately or I will have to take legal action against your company.
Consumer complaint received 2024-07-01
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. (NJ)

XXXX XXXX XXXX XXXX XXXX. XXXX, nj XXXX I just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have my permission, I have the accounts listed below. These inquiries have no permissible purpose to be on my credit report.I wish to have these inquiries deleted, due to violation of 15 USC 168 1b. 
XXXX. XXXXXXXX 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 XXXXXX/XX/XXXX I have requested my hand written signature from these companies and no one have mailed me any papperwork that i signed
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CADENCE BANK (MS)

On XXXX XXXX I received a presentment from CADENCE BANK XXXX XXXX  stating TOTAL DUE {$30000.00} TO BRING YOUR LOAN CURRENT. On XX/XX/2024 I delivered the presentment along with a check in the amount of {$30000.00} drawn form my account at XXXX XXXX XXXX XXXX XXXX XXXX. I delivered the check to Cadence Bank located at XXXX XXXX XXXX XXXX, XXXX I presented the check along with the presentment sent to me by Cadence Bank to XXXX XXXX, XXXX XXXX got on the phone with XXXX XXXX in the XXXX XXXX XXXX Cadence Bank. XXXX XXXX told XXXX XXXX not to accept my tender of payment although it was for the full amount stated on the presentment sent to me by Cadence Bank. I have a video of the transaction in which XXXX XXXX is refusing to accept tender of payment in accordance with the verbiage on their presentment. I received a foreclosure notice a few days later from XXXX XXXX XXXX ( XXXX ). I contacted XXXX XXXX to discuss this issue his office told me they would have him call me back, to this day XXXX XXXX has not responded. UCC 3-603 states that if tender of payment is made and refused the debt in the amount of the tender must be discharged. If everyone has equal protection under the LAW why are banks allowed to ignore them
Consumer complaint received 2024-07-01
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)

Consumer Name : XXXX XXXX XXXX, XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX ACCT # XXXX opened on XXXX. XXXX XXXX act # XXXX opened XXXX. XXXX XXXX  Act # XXXX opened on XXXX. XXXX XXXX XXXX # XXXX opened on XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX opened XXXX. 
XXXX XXXX  dated XXXX XXXX payment should be deleted. 
XXXX XXXX multiple incosistancies between XXXX, XXXX and transunion and do no recognize this account nor given any written consent to furnish my information. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-07-01
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)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-01
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)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is not a mistake. I am genuinely terrified, frustrated and confused about how badly these accounts on my credit report has turned out. Do you have any idea how much stress this caused me? Knowing that these accounts were not to a hundred percent accurately reported in my credit, and nothing has been worked on because I am being ignored.
Consumer complaint received 2024-07-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to 15 1692c ( 0 ) law clearly States a consumer notifies a debt collector the consumer refuses to pay a debt debt collector must cease all communication.

I am writing to request a debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. | recently received a communication from your company regarding an alleged debt. I am exercising my right to request a verification and validation of this debt.

1- send me a detailed list of history payments 2- I want to see a signature that I have put on a contract guarantee that I would pay this creditors.

3- Im asking to see has there been any insurance claims found on this debt.

4- I want proof you have the chain of titles to collect on this debt.
Consumer complaint received 2024-08-03
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)

These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTION to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand the removal of the incorrect information ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.
Consumer complaint received 2024-07-01
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. (NY)

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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-01
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 am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My issue is with my Capital One Venture credit card, which I have had for a long time. I have been an excellent customer with no late payments and paying my bill in full every single month, and additionally paying an annual fee for the rewards benefit. 

Very quietly and underhandedly, at some point earlier this year Capital One changed the redemption value of miles for gift cards in their rewards program making the miles of 25 % less value toward gift card redemption. Ever since I had the card, the value was XXXX miles per {$100.00} gift card. That was always the redemption rate. Recently I went in to redeem for a {$100.00} XXXX gift card and noticed that the miles required for a {$100.00} gift card shot up to XXXX miles, making my miles 25 % less valuable. I have been accruing these miles for years, paying my annual fee, and paying my bill in full ( never, ever late ) in order to save up miles for a very specific purpose of redeeming them for hotel gift cards. I do NOT want a statement credit. I want the value of the miles that I have accrued in relation to what I agreed to when I got the card - XXXX miles per {$100.00} in gift cards. I have checked my email back to XXXX and there was no notification of this change whatsoever, and I log into my account regularly to check balances and likewise there was absolutely NO notification of this change whatsoever. I was told it supposedly happened in XXXX from one of the reps I spoke with. I log into my account ALL the time and there was no notification of this change. If I had known of the change, I would have had an opportunity to redeem my miles for what they are actually worth before the change. I never had this opportunity. And OF COURSE they kept this quite so as to avoid just that. That is deceptive, nefarious, and non-transparent business practices. I have emailed and called the company repeatedly to get this resolved to no avail, which is truly disgraceful. I am owed XXXX miles, 25 % of my current earned miles, to make up for this unknown decrease in value so that I may redeem them for the worth that they were originally for. This is the only acceptable remedy to make my miles worth the value I agreed to in the original terms - I UNEQUIVOCALLY DID NOT AGREE TO THIS CHANGE IN TERMS AS I WAS NEVER NOTIFIED OF IT.
Consumer complaint received 2024-07-01
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. (IL)

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person.