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

I discovered several inaccuracies on my credit report, which I believe are the result of identity theft. Upon reviewing my credit report, I identified multiple unauthorized accounts that are in violation of Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ). These accounts have negatively impacted my creditworthiness and financial opportunities. Specifically, the accounts listed on my credit report exhibit the following violations : Incorrect Payment History : Several accounts show a payment history listed as " Unknown, '' which violates Metro 2 guidelines. Missing Account Status and Terms : The status and terms of these accounts are not provided, making it unclear whether the accounts are active, closed, or in dispute. Failure to Provide Clear and Accurate Information : The accounts ' information provided on my credit report is not clear or accurate, violating FCRA guidelines ( FCRA 623 ( a ) ( 1 ) ( A ) ). Despite my efforts to address these discrepancies by disputing them directly with the credit reporting agencies, the unauthorized accounts remain on my credit report. These inaccuracies compromise the accuracy and integrity of my credit profile, causing undue harm to my financial reputation and opportunities. I respectfully request the Consumer Financial Protection Bureau 's assistance in resolving this matter promptly. Your intervention is crucial in ensuring that the credit reporting agencies and associated companies comply with Metro 2 guidelines and the FCRA by deleting these unauthorized accounts from my credit report. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC (IL)

In XXXX of XXXX, my mother and I went to XXXX XXXX XXXX looking for a used car. I just turned XXXX and this was my first vehicle loan. The car already had pre-existing damage on the right front bumper/headlight area which was not noticed at the time of purchase. The reason for my complaint is that I was over charged for the car and the interest is excessive. The XXXX XXXX XXXX for the car today is around $ XXXX {$6200.00}, which means 9 months ago the book value on the XXXX XXXX XXXX XXXX was only around {$9000.00} to XXXX or less, but I was charged {$15000.00}. There was also a NA charge of {$2400.00} undocumented. I do not know what that was for. My complaint is that I have made 9 payments of {$530.00} which totaled {$4800.00} but my payoff amount is {$17000.00}. Very few of my money from my payments are being applied to my loan, so a majority is going to interest which is Total paid of {$18000.00} - XXXX = XXXX but again the payoff is {$17000.00} so {$3900.00} went to interest. I would like my loan cancelled so that I can purchase another vehicle with a more favorable interest rate. I feel as though I was definitely taken advantage of being a first time car buyer.
Consumer complaint received 2024-07-07
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently paid off collection account to XXXXXXXX XXXX XXXX XXXX They agreed to have account deleted in exchange for payment. The collections account still remains on my transunion credit report. XXXX has updated the account on their report and has deleted it as it should have been done. Transunion only updated the collection account as paid instead of removing the account. This is not the XXXX  time but is among many times that transunion fails to properly update my credit report accordingly. I have this same account deleted from my XXXX report so I dont know why transunion cant do the same and never reports my accounts accordingly and I have to contact them to resolve discrepancies. If XXXX XXXX or has deleted the account and can make changes in a timely manner.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

I'm not liable for the debt with Midland Credit Managment. I do not have a contract with this credit collection agency. I did not sign any paperwork with this credit collection agency stating that i would pay any balances or owe them any fiduciary responsibly. They did not provide me with the original contract as requested.
Consumer complaint received 2024-07-07
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)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-07
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-07
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. (KY)

Unexplained Credit Limit Decrease and Its Impact on My Credit Score Details of the Issue : Previous Credit Limit : {$1500.00} New Credit Limit : {$290.00} Date of Change : XX/XX/XXXX Notification Received : I was not even notified about this Plus, the sudden decrease in my credit limit has resulted in an increased credit utilization ratio, which has negatively affected my credit score. Maintaining a healthy credit score is crucial for my financial well-being, and this change has caused XXXX XXXX and potential financial hardship. 

They have shared my credit details with other agencies I feel, I have been getting scam calls about loans and financing which was not the case before getting this credit card. 

Also, I have been asking the customer care about the explanation but they didn't provide any clear explanation.
Consumer complaint received 2023-01-04
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. (FL)

FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Account Name : XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$1000.00} Account Type : Charge Off
Consumer complaint received 2024-07-07
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. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-07
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. (FL)

I am writing to delete the. following information from my file.the items I want deleted are listed in the report I am a big team of identity theft and I did not make the charge.ireported the theft of my identity to the federal trade commission and I also have enclosed copies to the federal trade commission identity theft affidavit.please delete these items as soon as possible.
Consumer complaint received 2024-07-07
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. (NM)

XXXX sent my new credit to an address in Virginia. This was the incorrect address. I do not live in Virginia. XXXX now a victim of identity theft due to XXXX giving someone else my credit card. I had to close the account in order for the card that were sent to another address.
Consumer complaint received 2024-07-07
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)

Complaint Description : I am filing this complaint because said reporting bureau has not accurately reported and/or updated my personal information on my credit report. I am entitled to a fair and accurate credit report and that includes my personal information. 

Incorrect Personal Information : Not my name : XXXX, XXXXXXXX XXXX Not my address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Not my address : XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Attempts to Resolve : I have attempted to resolve this issue by contacting the bureau through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.
Consumer complaint received 2024-07-07
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. (FL)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date Of Birth : XX/XX/year> Content of Complaint : The CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulently, inaccurate, and false information consist of personal credit account opened with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Reported BY XXXX XXXX XXXX ) XXXX XXXX XXXX Amount : XXXX ( Reported BY XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX ( Reported BY XXXX XXXX XXXX ), also consist of XXXX XXXXXXXX XXXX XXXX  Amount : XXXX ( Reported BY XXXX XXXX XXXX XXXX XXXX Amount : XXXX ( Reported XXXX XXXX XXXX  ) also consist of an account with XXXX amount : XXXX, also consist of utilizes bill with Frontier XXXX, XXXX XXXX XXXX XXXX Amount : XXXX ( Reported by XXXX XXXX XXXX ) XXXX XXXX XXXX line with XXXX Amount : XXXX, and finally also consist of a loan with XXXXXXXX XXXX XXXX XXXXXXXX. These accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections or hard inquires as reported. The aforementioned accounts, collections, and hard inq appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and inq are results of identity theft and fraud, I have attached a copy of FTC identity theft criminal complain # XXXX, # XXXX and # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit account, collections and inq are result of identity theft and fraud
Consumer complaint received 2023-06-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Securus J Holdings, LLC (LA)

On XX/XX/2023 I purchased a media tablet for my love one through JPAY services online.. I was told that I could NOT get an update before 60 days. I waited 60 days and was told that it would be another 30-40 days and the media tablet would be shipped to my loved on. After several attempts to resolve the issue I have been provided incorrect information from XXXX about the order number saying that that was my tracking number. On XX/XX/2023 no new details about the tablet nor a refund of my money. I am being told on several calls that a refund is not possible because of the process and that the tablet was reshaped on XX/XX/XXXX. I asked why was it reshipped and was told because it was never shipped on XX/XX/XXXX. How can you reship something that never was shipped. I have been told by several supervisors for JPAY that there is nothing they can do nor I can do. Please help. This inmate services is unlawfully taking money without delivering the merchandise and not giving no explaination as to what process is being done to resolve this issue. After 6 months of holding on to my money I should be provided my money or the paid for merchandise to my love on.
Consumer complaint received 2024-07-07
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)

XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a car loan opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX credit card opened XX/XX/XXXX and XXXX XXXX Credit card XXXX XXXX and XXXXXXXX XXXX XXXXXX/XX/XXXX. I do not recognize the aforementioned accounts or collections as reported. The above mentioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the above and mentioned accounts and collections are the result of identity theft and fraud. I have attached all correspondence 's and a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the above mentioned consumer credit accounts and collections are the result of identity theft and fraud.
Consumer complaint received 2023-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.A.Rogers, Inc. (FL)

I am writing you this letter regarding the following account : XXXX XXXX Account # XXXX. It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove this account from my consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. Regards, XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

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 2024-07-06
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)

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.