davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S.
Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on.
Consumer complaint received 2024-07-24
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. (GA)

According to15 U.S.C 1666B The timing of payments creditors may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. Please review these accounts for any violations of the fair credit reporting act. 
XXXX. ( XXXX Account number XXXX ) XXXX. ( XXXX XXXX XXXX ) XXXX. ( XXXX XXXX XXXX Account number XXXX ) XXXX. XXXX ACCOUNT NUMBER XXXX XXXX. XXXX XXXX- ACCOUNT NUMBER XXXX XXXX. XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX. XXXX XXXX account number XXXX XXXX. XXXX account number XXXX I would like these accounts removed if no evidence is provided that I was notified XXXX  days before the late payment would be posted on my account. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX. 
ACCORDING to 15 U.S.C 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Consumer complaint received 2024-07-24
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 this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to inform you of fraudulent activity associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress. I have already reported this identity theft and taken immediate action. It is crucial to address this promptly, as it has negatively impacted both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if needed, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated.
Consumer complaint received 2024-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (LA)

To Whom It May Concern, I am writing to formally request that the Consumer Financial Protection Bureau take immediate action regarding a fraudulent debt that has been placed on my account by XXXX XXXX, purportedly for the use of a credit card. The debt in question is not valid, and I demand that all collection attempts cease immediately. 

I have reason to believe that this debt is fraudulent and incorrect, and I have not received any verification or validation of the debt from Jefferson Capital. As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you investigate this matter and provide me with evidence of this debt 's validity. 

I request that the Consumer Financial Protection Bureau intervene in this matter and ensure that Jefferson Capital and any associated parties cease all collection attempts, as well as refrain from reporting this fraudulent debt to any credit bureaus. I demand that all communication regarding this matter be directed to me in writing and that no further attempts be made to contact me by phone. 

Please consider this letter as a formal notice of my request for validation of the debt and a demand for immediate cessation of collection activities. I expect a prompt response and resolution to this matter within the legal timeframe. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX Please ensure to adapt the letter as needed to accurately reflect your situation and protect your rights. It is also recommended to send the letter via certified mail to ensure confirmation of receipt.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (AZ)

My rights were violated by XXXX XXXX XXXX XXXXXXXX, they are reporting incorrect information that has damaged my credit and impacted my family/business. I have reached out to the credit reporting agencies to provide me with proof of debt, nothing had been provided to me. Im requesting for the credit reporting agencies to be investigated and for my credit report to be updated accurately. I also need proof/documention of the debt, this is fraud.
Consumer complaint received 2024-07-24
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. (DE)

Subject : Dispute Regarding Fraudulent Accounts - Violation of Fair Credit Reporting Act XXXX XXXX XXXX XXXX Red XXXX XXXX, XXXX XXXX, DE XXXX XXXX XXXX XXXX, Transunion, and XXXX Dear XXXX, I am writing to dispute the accuracy of several accounts appearing on my credit report, which I believe are fraudulent and violate my rights protected under the Fair Credit Reporting Act ( FCRA ). As a consumer, I value my right to privacy and the accuracy of information reflected in my credit report. Upon reviewing my credit report, I have identified the following fraudulent accounts : XXXX. *XXXX XXXXXXXX XXXX Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$53.00} XXXX. *XXXX XXXX** - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3600.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$3800.00} XXXX. *XXXX - Account Number : XXXX - Date Fraud Began : XX/XX/XXXX - Date Discovered : XX/XX/XXXX - Total Fraudulent Amount : {$6500.00} These accounts were opened without my knowledge or consent and are the result of identity theft. I have filed a complaint with the Federal Trade Commission ( FTC ) regarding these discrepancies, and I have attached a copy of the complaint for your reference ( FTC Report Number : XXXX ). 

Under the FCRA, I am entitled to accurate and fair reporting of my credit information. However, I have identified potential violations in the reporting of these accounts : 1. [ ] 15 U.S.C. 1681 Section 602 A : Right to privacy.

2. [ ] 15 U.S.C. 1681 Section 604 A Section 2 : Furnishing of accounts without written instructions.

I request the immediate removal of these disputed accounts from my credit report as they are inaccurate and unfairly represent my credit history. Given the nature of these discrepancies, I believe these accounts to be fraudulent.

Failure to rectify these discrepancies may result in legal action, as provided by the FCRA. I trust that you will conduct a thorough investigation into these matters and provide a prompt resolution. Kindly provide written confirmation of the actions taken regarding this dispute. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX **Attachments : ** 1. FTC IdentitXXXX Theft Report ( Report Number : XXXX ) XXXX. Supporting Documents
Consumer complaint received 2024-08-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC (GA)

I am filing a complaint against Jefferson Capital Systems regarding a debt of {$640.00} that originated from XXXX. While I acknowledge that this debt was incurred, my financial situation has changed significantly, and I am now unable to repay it. Despite my financial hardship, Jefferson Capital Systems continues to report this debt, causing ongoing damage to my credit score. 

Additionally, I have not received proper validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This includes proof of the original agreement with XXXX and their legal right to collect this debt. Without proper validation, the continued reporting of this debt is misleading and unfair. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2, creditors and debt collectors are required to ensure the accuracy of the information they report. Given that this debt is unvalidated and uncollectible, its continued presence on my credit report is both unjust and harmful. 

I request that Jefferson Capital Systems immediately cease all collection activities and remove this debt from my credit report to prevent further unnecessary damage.
Consumer complaint received 2024-07-24
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. (VA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and detected. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction completed by me as a consumer. PERSONAL INFORMATION:XXXX XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXXXXXX XXXX XXXXXXXX va XXXX XXXX XXXX XXXX XXXX va XXXX XXXX : XXXX 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 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I had recently filed a complaint against fifth third for multiple infractions. XXXX most recent response included a statement regarding a debit card that I discovered, of which I had never seen, activated or was in posession of. Fifth Third stated specifically that the card was issued to me on XX/XX/year> then another cared a week later in XXXX that was completely false. As a matter of fact, XX/XX/year> was the exact date I opened the account. And as far as I know, no financial institution supplies a consumer with a debit card for an account the same day and on the spot of account opening. The card I received in the mail in XXXX, was the only card I ever had for that account. The card they say I got the day of account opening was never given to me, nor does it show even once on a single statement. So how is the reply from fifth third accepted? While consisting of blatant lies. Also, the statements the bank supplied me for the secured card, are missing a great number of months. 
Furthermore, Im told by XXXX ID Theft protection that all the fraud claims against the numerous debit cards that Ive made throughout the years should show in XXXX. Yet not a single one has been reported. Why is this. Wether a fraud claim was denied or approved, the resolution notice from fifth third states specifically that no reports have been made on that account with chex systems.. 
In addition, regarding a recent fraud claim consisting of XXXX charges. I personally spoke with XXXX, and they informed me that they did receive a dispute from my financial institution, but it was under investigation and no decision had been made. This call was the day after I received a notice from Fifth Third stating that my claim had been denied, and they decided the transaction were legitimate. I have this call on recording. So how can my bank deny fraud claims before the investigation with the involved company is completed? 
I have also been contesting a {$3500.00} XXXX outgoing. Ive never wired money in my life..now the bank tells me that they are still awaiting a response from the receiving bank. But if the funds arent available there, then Im out of luck.. Really?! This is using a Federal fund for fraud and embezzlement, and nothing will be done about this? And my money wont be reimbursed? Where is the justice in any of this?
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Columbia Debt Recovery/GENESIS is illegally sending my debt information through public firms such as the mail with company info exposed to an address I don't live at, my email with no consideration of whom can get into it on a public server plus The SSN # belongs to the SSA and anything purchased with that identifier number is a obligation of the United States 18 U.S.C . 8. Means that anyone attempting to collect a debt from you is guilty of The False Claims Act ( FCA ), 31 U.S.C. 3729 this/your company is in violation of HUGE crimes attached is my letter to file suit though columbia keeps closing my complaints You as the credit reporter need to report ONLY FACTUAL & lawful transactions of accounts.
Consumer complaint received 2024-08-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Firstsource Business Process Services, LLC (NY)

I am a current victim of Identity theft that was discovered in XXXX of 2024. 
I have filed an affidavit with the Federal Trade commission and will include that in this complaint. 
This debt in the amount of {$950.00} is not mine and this original account XXXX XXXX XXXX was opened and used fraudulently. 
Again, I was only made aware of the identity theft I am a victim of once the stolen accounts were used and had gone into collections. 
This one in particular I never received any communication from until I received a letter from debt collection company First source that this debt is in my name trying to be collected. 
My name, address, social security number and phone number have all been stolen and used to impersonate me. 
I also have my local police department on stand by should I need to file a report I already have an inquiry to them and they are made aware of this crime.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP (NM)

I deposited an insurance claim check from XXXX for {$27000.00} on XX/XX/XXXX at a Bank of Albuquerque ATM. The problem was the check was improperly endorsed. XXXX XXXX did not endorse the check. The check cleared but monies have not been made available to me. XXXX XXXX will not accept copy of check. They need an original check. Bank of Albuquerque will not release funds unless another check is sent from XXXX. XXXX will not send another check until the funds are returned to them. No action has been taken by Bank of Albuquerque since XX/XX/XXXX. I have tried several times with all three companies but to no avail
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA (FL)

XXXX XXXX Kia opened 2 car loans under my name instead of 1. I have called multiple times to Kia Finance and Kia XXXX XXXX to close the loan that I don't have ASAP and they haven't call me back or fix the issue. This is hindering my credit by having late payments for a loan that I should not have and they opened without my consent.
Consumer complaint received 2024-07-24
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. (NY)

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below are the accounts that I am disputing : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2024-07-22
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)

Following accounts were fraudulently open and obtained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Report number XXXX on identity theft.gov
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

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 XXXXXXXX, Us dept of education : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 Section 2 it also states a consumer reporting agency can not furnish with my written instructions 15 U.S.C 1681c section 5 states no consumer reporting agency can make any consumer report containing any of the following items of information and other adverse information other than record of convictions and 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.