davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-05
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. (TN)

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by for the account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX and XXXX XXXX XXXX for account opened XXXX XXXX, XXXX with account number XXXX, and XXXX XXXX XXXX  for the account opened XXXX. XXXX, XXXX with account number XXXX, XXXX XXXX XXXX XXXX for the account opened XX/XX/XXXX with account number XXXX and XXXX XXXX XXXX XXXX for account opened XX/XX/XXXX with account number XXXX. Failure to remove the accounts in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( TRANSUNION ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
Consumer complaint received 2019-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

ATTENTION FRAUD DEPARTMENT Bank of America fraudulent XXXX transactions I recently had 3 fraudulent XXXX Transactions back to back within minutes of each other from my business checking account on XX/XX/2019. I noticed it right away. I called the BOA fraud department when I noticed the first transaction. While I was on hold I see 2 more transactions happen. I was on hold at XXXX and was disconnected at XXXX when the fraud center closed I called immediately the next day to report the again WHILE THEY WERE STILL PENDING. This time I was able to create a case. I explained to the woman that I did not make these charges. She told me they came from my IP address which was impossible because the computer is not in my or anyone possession at the time of the transactions. The woman assured me I would be refunded. 

I felt the claim was taking a while to resolve. So, 1 called every Monday for a month checking on my case. On the 5th call 5 weeks later they informed me they denied the claim! I was not notified of the denial. 

They suggest I Prove it wasn't me and reopen the case. I asked how do I prove it. I called while the transactions were pending! 

So I attached the print out of the DOOR opening IN and OUT from my alarm system company showing we were not in the store at around XXXX when these transactions took place. The last door closed around XXXX on XX/XX/XXXX when the transactions took place. 

I also informed them I had my information compromised on XXXX, XXXX and many other accounts and reported it to the FTC. 

I resumed calling weekly to check. This time they suggest I go to XXXX to have them prove my computer was compromised. I did ... .XXXX said they have no was of proving it was my ip address on XX/XX/XXXX since ip addresses change. So if they change how can boa confirm it was my computer?! 

I have lost so much money that I most likely wont get refunded. If this had happened on a credit card it would have been resolved in a day.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My insurance company totaled out the XXXX XXXX XXXX that I purchased from this company and made a payment of XXXX on XX/XX/XXXX. I was told on XX/XX/XXXX by the finance department that the payment was received and that my account has been paid in full no balance left as of XX/XX/XXXX and it is closed. I checked my credit report today on XX/XX/XXXX and was informed that XXXX XXXX XXXX reported my account as a Collection/Chargeoff on XX/XX/XXXX instead of paid in full closed account.
Consumer complaint received 2024-08-04
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. (NC)

I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
Consumer complaint received 2024-08-05
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. (NJ)

recently reviewed my credit report and noticed inaccuracies regarding accounts that are not being reported correctly. Specifically, four inaccurate collections instances are listed for accounts that I have always paid on time. 

Consumer reporting agencies are responsible for ensuring that all information is reported with complete accuracy. My report shows that a XXXX account was placed in a collection on XX/XX/XXXX, for the amount of {$550.00}. There is also an account from XXXXXXXX XXXX  placed in a collection on XX/XX/XXXX, for the amount of {$4500.00}. Additionally, there are two accounts from XXXX XXXX placed in a collection on XX/XX/XXXX : one for {$680.00} and one for {$580.00}. 

I have attached a copy of my most recent report highlighting these inaccuracies.
Consumer complaint received 2024-08-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to dispute the following information in my credit report. I have reviewed my credit report from your bureau and found several inaccuracies that I believe need to be corrected under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). 

The information I am disputing is as follows : **Account Information 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} This information is inaccurate for the following reasons : 1. **High Balance : ** Incorrectly reported as {$12000.00}.

2. **Date of Last Activity : ** Conflicting dates with other credit bureaus. 
XXXX. **Date Reported : ** Different across TransUnion XXXX XXXX, and XXXX XXXX 
XXXX. **Account Description and Status : ** Various discrepancies and unresolved disputes reported inaccurately. 

Please find attached copies of my credit report from XXXX, XXXX, and TransUnion, highlighting the discrepancies in the information reported by each bureau. I have also included copies of any supporting documentation that can help verify the inaccuracies mentioned above. 

I request that you investigate these matters and remove or correct the inaccurate information from my credit report. According to the Fair Credit Reporting Act, you are required to verify the disputed items within 30 days. I appreciate your prompt attention to this matter.
Consumer complaint received 2024-08-17
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. (HI)

On ff I filed a complaint against both XXXX ( Complaint # XXXX ) and Experian ( Complaint # XXXX ) in regards to the account being reported inaccurately. In that complaint I had attached supporting documentation that they were reporting inaccurate information and that I wanted it permanently removed from my reports. Pursuant to section 623 ( a ) ( 1 ) ( A ) and ( B ), a furnisher SHALL NOT furnish information that they have reasonable cause to believe it was inaccurate. The supporting document I attached in those complaints showed proof that the reported information was inaccurate. Now, I have received a letter from XXXX stating that they have ACKNOWLEDGED that they have reported inaccurate information but STILL REFUSE TO DELETE IT FROM MY CONSUMER REPORT. See attached. This a complete violation of section 623 of the Fair Credit Reporting Act. Additionally, I notified Experian of this inaccurate information to which they claimed its " verified ''. Pursuant to section 611 ( a ) ( 5 ) I am demanding compliance. Lastly, the cfpb has initiated a lawsuit against XXXX for reporting inaccurate information Docket number XXXX. This is their last chance to remove this information from my report before I proceed to hand this case over to a consumer protection attorney.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (ME)

My complaint is with Experian. 

They have dropped my credit rating ( within the last six months ) from XXXX ( in XXXX ) to XXXX ( this month ). 

XXXX  and XXXX  have maintained my rating at 800+ throughout this time period. 

The only reason I can see for this unfounded manipulation is that they want me to signup for their " Experian Boost '' program. 

Perhaps you will have the same complaint from others.
Consumer complaint received 2024-08-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ( 2 ) personal credit card accounts opened at XXXX XXXX XXXX XXXX on around XXXX XXXX, XXXX bal. {$1600.00}, XXXX XXXX XXXX XXXX opened on/around XX/XX/XXXX bal {$10000.00}, XXXX XXXX  opened at XXXX on around XX/XX/XXXX bal {$260000.00}, XXXX XXXX XXXXXXXX ) opened on around XXXX, XXXX XXXX bal. {$8600.00}. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Bank of America regarding a highly distressing and unfair experience I recently had with their services. On XX/XX/2023, I visited the Bank of America XXXX to deposit a check, and the teller assured me that the funds would be available within XXXX business days. However, despite receiving a receipt and stamp confirming the deposit, Bank of America held my check for over XXXX weeks, causing severe financial hardship to my small business. 

Upon contacting the bank to resolve the issue, I was advised to file a dispute, and they promised that someone would reach out within XXXX hours. To my dismay, no one contacted me during that time. When I called again to inquire about the status, I was told that there was no claim or record of my previous dispute. I reluctantly initiated a new claim, but the result was no different no progress, and no communication. 

This prolonged delay and lack of transparency have had a devastating impact on my business. I have lost {$7500.00}, which is crucial for my business operations. Due to this situation, I was unable to pay for essential utilities, and as a result, my business suffered further consequences, including a temporary loss of electricity. 

Despite repeated attempts to resolve the matter, Bank of America has been unhelpful and has not taken adequate steps to rectify their error. Their constant redirection and failure to provide any concrete resolution have left me feeling utterly helpless and frustrated. 

I urgently request the CFPB 's intervention in this matter. I seek full access to my funds without any further delay. Moreover, I believe that Bank of America should be held accountable for their negligence and the resulting hardship they have caused my small business. 

I trust that the CFPB will thoroughly investigate this issue and take necessary actions to ensure that Bank of America addresses my concerns promptly and appropriately. Your timely assistance and support in resolving this matter are of utmost importance to me and my business. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

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 XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 2024-08-05
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)

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXXXXXX XXXXAccount Number : XXXX XXXX
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-08-04
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. (FL)

In accordance to Fair reporting creditor at this creditor has violated my rights. 15 USC 1681 section 602. I have the right to privacy. 15 USC 1680 1 604A section 2. A consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B a creditor may not treat a payment on a credit card account under open on a consumer credit plan as open or late for any purpose.
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLIANT CREDIT UNION (AR)

After checking a copy of my consumer report, I noticed a clear violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 


THE IRS CLEARLY DEFINES A CHARGE-OFF AS GROSS OR ORDINARY INCOME, DOES NOT GET REPORTED OR FURNISHED ON THE CONSUMER REPORT. INCOME DOES NOT GET REPORTED OR FURNISHED ON A CONSUMER REPORT BY DEFINITION. THE IRS CLEARLY SAYS A CANCELED DEBT OR CHARGE-OFF IS INCOME. THE REPORTING OF THIS ACCOUNT IS INACCURATE. 

IRS INSTRUCTIONS FOR DEBTOR. 

Instructions for Debtor You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. However, you may not have to include all of the canceled debt in your income.
Consumer complaint received 2024-08-05
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. (GA)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
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)

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 # XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX Account # XXXX has violated my rights. 

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.