davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to formally dispute several inaccurate addresses listed on my credit report, which I obtained on [ Date of Report ]. These addresses are not associated with me and may be indicative of identity theft. The following addresses are inaccurately reported : XXXX XXXX XXXX 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 These addresses do not reflect my current or past residences and are likely associated with identity theft. As such, I request their immediate removal from my credit report to prevent further harm and inaccuracies. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related laws, I assert the following rights and requirements : FCRA Section 605B requires consumer reporting agencies to block the reporting of information that results from identity theft upon request.

FCRA Section 609 provides consumers the right to dispute inaccurate information on their credit reports.

FCRA Section 611 mandates that consumer reporting agencies investigate disputed items and correct or delete information found to be inaccurate or unverifiable. 


Additionally, the Identity Theft and Assumption Deterrence Act ( ITADA ), 18 U.S.C. 1028 defines identity theft and imposes penalties for those convicted of the crime.
Consumer complaint received 2024-07-12
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
CAPITALONE Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, IXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$7000.00}
Consumer complaint received 2024-09-03
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: EQUIFAX, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2023-06-09
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. (GA)

I submitted a letter to the 3 Credit Bureaus on XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT, and I'm including it again. 
DEPT ED XXXX Balance Owed : {$9100.00}
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX a magazine subscription company called me and let me know I had one a trip. All I had to do was sign up for a subscription to get said trip. I signed up and realized that this was not the case and cancelled it 4 months in after realizing this was a scam and I was never going to get said trip. I called and cancelled and also gave the company a complete rundown of how terrible this practice was. Being XXXX I fell for it. 

I received a collection for {$870.00} on my credit in XX/XX/XXXX. I called the company because I had no knowledge of the debt. The creditor gave me the original creditor information and I realized just as many others they had not cancelled my subscription and are now trying to come after me for said payment. I have no received any of these said magazines, bills anything since XXXX. 

I have reported this company to the FTC for fraudulent business practices. I have seen many open online about this same company scamming others as well. 

I want this account removed as it is very obviously fraudulent.
Consumer complaint received 2024-07-12
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)

MY PERSONAL INFORMATION WAS BREACHED/STOLEN XXXX AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-07-12
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. (MA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX, 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
Consumer complaint received 2024-07-12
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. (SC)

On XX/XX/2024, I filed a complaint about Transunion outlining an extreme drop in my XXXX XXXX after I had paid several thousands of dollars to reduce my credit balances. Transunion remarked on the report that I did a " good job. '' After a few months of filing complaints, my XXXX XXXX returned to the previous number. Yesterday, TransUnion dropped my score by XXXX points again for the same reason. I paid XXXX car loans and XXXX credit card payments and was marked with the same " Good Work '' comment. 

XXXX and XXXX raised my score for the same timely payments, and Transunion lowered my score by XXXX points. I am trying to rent a house, but Transunion is preventing and interfering unlawfully and unfairly. 

I have contacted Transunion, but I am always given a generic reason for the drop in score, which they claim is due to other reasons unrelated to making timely payments and lowering my outstanding credit balance. I am also told there is NOTHING they can do to help me.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. 

I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2024 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 
I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2024-07-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

For ease of reading, a properly formatted version of the summary and details of complaint is written in the PDF attached titled " CFBP Full Complaint. '' I kindly request that you start there, even if just for the summary or understanding the attachments. Please feel free to reach out at any time at : XXXX ( XXXX ) XXXX Below is the summary section of the complaint : Summary of Complaint : This complaint pertains to the following denied fraud claims made with Bank of America ( BofA ) : Claim # XXXX ( Ref. # XXXX ) Claim # XXXX ( Ref. # XXXX ) The claims relate to fraudulent, unauthorized transactions made using my stolen phone amounting to {$8400.00} on Sunday XX/XX/year>. The theft was reported to BofA the same day, and the fraud dispute claims were made at the soonest opportunity on the following day XX/XX/year> BofA denied the requests on XX/XX/year> without a reason beyond a verbal scripted quote : " we don't believe they were unauthorized transactions based on your account activity and transaction history. '' They also did not issue a temporary credit to my account. My other banks approved the claims and issued temporary credit BofA 's claim is not true, and they made minimal effort to investigate it. It is not true because : There were ~ {$40000.00} in fraudulent transactions in total, of which they automatically denied ~ {$28000.00} ( see XXXX and statements attached -- prepared with the help of their employee ) Available receipts for fraudulent transactions with a different person listed to pick-up the goods bought ( attachedmore to come following subpoenas ) A transaction BofA allowed but I intercepted, resulting in a refund of {$3900.00} ( hence the claim being for {$8400.00} instead of {$12000.00} ) I attempted to restrict the account as soon as possible, but their debit card fraud team was not available and their website did not allow me to restrict my account without phone authentication until after enough fraud went through ( detailed below ) I seek your support in helping get BofA to take me seriously, resolve my dispute and get a full refund of the amounts claimed The following documents are referred to in the full complaint document attached, they are : 2 BofA statements : XX/XX/XXXX showing full extent of fraud with matching of declined transactions with their corresponding credits which a BofA employee did XX/XX/XXXX showing the final state of the account after transaction settlement and the remaining amounts under dispute XXXX file showing digitized summaries of the statements with additional information and highlights for ease of understanding Copy of police complaint slip showing report number. XXXX is still working on finalizing the report, but are ready to share all information with CFPB and BofA using report number Receipts from XXXX showing a different person listed as collector of the goods bought through the fraudulent transactions
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing after getting a copy of my most recent consumer report from the CRA 's dated XX/XX/year>. 

The reporting of the XXXX XXXX account showing a Late Payment is violating my Consumer Rights. Please see the attached credit report showing the late experience currently impacting my creditworthiness. 

Please note : 15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LIl / Legal Information Institute 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Simply put my PAYMENT TRANSACTIONS and/or EXPERIENCES should NOT be included on my XXXX or Transunion consumer reports.

I am NOT seeking remedy at this time. Willful continued neglect to respect my Consumer Rights will cause me to seek proper remedy. Please reverse your reporting of this late payment to show pays as agreed or OK to restore my credit profile to Exceptional status. 

This current reporting is directly affecting my credit worthiness, standing, personal characteristics and my ability to obtain credit. Please provide me with an updated report by mail at my address on file with the bureaus and XXXX XXXX. 

CC : XXXX and Transunion
Consumer complaint received 2024-07-12
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. (IL)

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

I am writing to file a complaint against Midland Credit Management , Inc. for their unlawful and unethical debt collection practices. despite repeated requests for verification and proof of the alleged debt, Midland Credit Management , Inc. has failed to provide any documentation to support their claim. They have continued to harass me with collection calls and letters, despite my clear requests to cease all communication until they can provide proof of the debt.

Furthermore, I did not give consent for Midland Credit Management, Inc.to put any times on my consumer reports. Yet, they have continued to report inaccurate information on my consumer report, which has negatively impacted my credit score and financial well-being. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) sections

1681d and 1681n. In addition to violating the FCRA, Midland Credit Management , Inc. has also violated the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated 15 USC 1692c ( a ) ( 1 ) by continuing to call and send letters despite my request for them to stop. They have also violated 15 USC 1692e ( 2 ) ( A ) by providing false and misleading information about the debt, and 15 USC 1692j ( a ) by failing to provide me with verification of the debt. 
Midland has also violated 15 USC 1692d ( 2 ) by engaging in harassing and abusive debt collection practices. their behavior has caused me significant distress, and I believe that their actions are unacceptable and illegal.

Finally, I would like to bring to your attention that Midland Credit Management , Inc. is also violation the Collection Agency Act ( 205 ILCS 740/ ). Their continued collection of an unverified debt is a direct violation of this act. 
What's more, the company is showing my report as open with XXXX consumer report agency and closed with another. this inaccurate information is causing additional harm to my consumer report and financial standing. 
I have made numerous attempts to resolve this matter with Midland Credit Management , Inc., but they have refused to comply with my requests and continue to engage in unlawful and unethical debt collection practices. As a result, I am now left with no other option but to pursue legal action against them. 
I request that the Consumer Financial protection Bureau investigate this matter and take appropriate action to address these violations. I also request that Midland Credit Management XXXX Inc. be held accountable for their actions and that they be required to provide me with the verification and documentation necessary to support their claim. I further request that they correct any inaccurate information that they have reported to any and all consumer reporting agencies.
Consumer complaint received 2024-08-09
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (KY)

I was in the process of purchasing a car with Carvana I was submitting paperwork when they informed me that I owed past monies and would not be able to get the car with them. I checked my account and saw the money for the shipping fee was still in the account so I cancelled my car order since they wouldn't give it to me. Within 5 mins the shipping fee had been deducted from my account. They say even though I was in the process of completing the purchase and didn't know if I was going to get it that I agreed the fee was non-refundable once the purchase was complete, but the purchase wasn't complete and they only took the money from my account after they knew I wasn't going to purchase the vehicle. This all occurred less than 24 hours of starting the paperwork.
Consumer complaint received 2024-09-05
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. (TX)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I received a copy of my credit reports from TransUnion, XXXX, and XXXX. Those credit reports contained inaccurate information on my credit reports. I have reached out to each credit bureau asking requesting them to show me proof that the information on my credit reports are accurate and each time, they have failed to do so. I am becoming very frustrated with the response of these bureaus as I have mailed them proof of my identity and address and each time they have corresponded with only copies of my credit reports. The following information is incorrect on my credit reports from each credit bureau : XXXX XXXX XXXX reporting a late payment of 30 days, I was never late XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof XXXX XXXX XXXXXXXX Collection/Chargeoff I am not responsible for this account, I have requested proof of this debt I have not been provided with any proof The following inquires I did not authorize XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XX/XX/XXXX XXXXXXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  TransUnion XX/XX/XXXX The inaccurate reporting on my credit profile are causing harm to me as a consumer. I have given TransUnion, XXXX, and XXXX plenty of time to respond to me and show me proof of where these debts and inquiries have originated from and they have not given me any such information. My rights as a consumer have been violated and I have the rights to take legal actions against them.