davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (CA)

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy.

In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 


XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-27
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. (CA)

First and foremost, I assert that my right to privacy is of utmost importance. This dispute letter serves as my enforcement of that right. Under 15 U.S. Code 1681 ( a ) ( 4 ), you bear the full responsibility to " exercise your significant duties with fairness, impartiality, and a respect for the consumers right to privacy. '' I am invoking this right as outlined by the code. Please ensure the following information is treated with the highest level of fairness, impartiality, and respect for my privacy. In accordance with 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized this company to access my information. They are in clear violation of this law. I request that these accounts be removed from my credit report as they are damaging my reputation, character, creditworthiness, credit standing, credit capacity, and more. Given your obligation to protect my privacy, I require that this issue be addressed with the utmost urgency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (TX)

I've made multiple attempts to address fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These entries have seriously disrupted my life, causing major XXXX XXXX XXXX I must emphasize that I never authorized or agreed to have this information linked to my name- I'm a victim of identity theft.
Consumer complaint received 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (IL)

COMES NOW, XXXX XXXX, to provide formal notice regarding the fraudulent debt reported by Transworld Systems XXXX in relation to XXXX XXXX, account number XXXX, which has caused significant damage to my credit score and financial standing. Despite your acknowledgment of my fraud claim, the incorrect information continues to affect my credit profile. 

Your failure to act promptly and remove this erroneous debt violates multiple federal statutes, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are now in default, and compensation is required as follows : Violations and Laws Applicable : FCRA Section 623 FCRA Section 604 ( A ) ( 3 ) FDCPA Sections 806, 807 ( 8 ), 809 ( b ), and 811 ( a ) ( 2 ) Misrepresentations by Transworld Systems about the debt are actionable regardless of intent. 
Transworld Systems can not be both the purchaser and assignee of the debt.
Consumer complaint received 2024-09-26
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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
Consumer complaint received 2024-09-27
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. (WA)

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXXXXXX
Consumer complaint received 2024-09-27
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 filing a formal complaint regarding multiple fraudulent accounts and unauthorized inquiries that have appeared on my credit reports due to identity theft. Despite my repeated attempts to resolve these issues directly with the credit bureaus, these fraudulent accounts remain unresolved and continue to severely impact my credit score and financial standing. 

Summary of Fraudulent Accounts and Inquiries Being Disputed : XXXX : 1. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00} Status : Derogatory 2. XXXX XXXX XXXX XXXX ( XXXX ) Account # : XXXX Status : Disputed 3. XXXX, XXXX. 

Account # : XXXX Status : Disputed 4. Inquiries : XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Card Date : XX/XX/XXXXXXXX XXXX XXXX 1. XXXXXXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$280000.00} Status : Disputed 2. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Disputed XXXX. XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed TransUnion : XXXX. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$300000.00} Status : Disputed 2. XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Disputed 3. XXXXXXXX XXXX  Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed 4. XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Disputed 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Date Opened : [ Unclear, verify date ] Status : Disputed 6. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Actions Taken : I have filed disputes with XXXX, XXXX, and TransUnion and submitted necessary documentation, including a police report and an FTC Identity Theft Report, proving these accounts and inquiries were the result of identity theft. 
Despite my efforts, these fraudulent accounts and inquiries continue to remain on my credit report, causing extensive damage to my credit profile.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-11
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (OK)

I have a cash app account that my direct deposit goes to and I somehow got locked out of it so I started contacting support and they told me that they would give me access if I could open a new account and verify everything with my old account so I did I did everything they asked me to it and I opened a new account and it Closed immediately because of some type of violation, I verified my old account by my cash tag by my name by my birthday by my social I even have the pin code to it and then like I said, I have every statement since and every transaction to prove that its mine Cash app is still refusing to let me into my account
Consumer complaint received 2024-09-12
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. (TX)

XXXX XXXX XXXX XXXX # XXXX - I hereby dispute the validity of the alleged debt listed below Entirely. I also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease Collection efforts until this alleged debt is validated. You must show proof that you legally own this debt and that it is accurate and complete thank you
Consumer complaint received 2024-09-26
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 am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of XXXX XXXX specifically debt bondagewhich falls under XXXX  as defined by the XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.

Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX  debt bondage. 
According to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from XXXX XXXX within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information.

I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. 
I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from XXXX XXXX
Consumer complaint received 2024-09-20
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I was sold a car on XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX for XXXX dollars down and financed said car for XXXX a month under CREDIT ACCEPTANCE CORP. When buying the car no mention of me needing to take it to be inspected or the expired inspection was mentioned. After failing to receive a license plate for to months my car was impounded on XX/XX/XXXX and when I went to receive it from the court house I was told that I was not the rightful owner because my name was not the name the showed up attached to the vin number When reporting to my dealership I was told that the car was sold with an invalid inspection and that they could help me without getting it inspected. After that without my knowledge my dealer went on to illegally submit paper work to the dmv switching the car into my name after the car already accrued a large amount of debt in the junk yard as a holding fee and I already had a case with credit acceptance to removed my name from the car I want this debt removed from my name because it was sold to me illegally from both XXXX XXXX XXXX XXXX  and credit acceptance as they financed a car that they did not have a title for I have voice recordings from my conversation with the car dealership and paperwork showing credit acceptance financed the car illegally
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (CA)

I received an email from chime banking stating that my account would be closed on XXXX XXXX that am gon na get a cashier check with the refund on 30 days well its been 30 days and I haven't received anything I called and they keep on telling me am not available for a refund of {$4900.00}
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (NY)

My Td Bank credit card was lost on XX/XX/XXXX I called the credit card services and complained they said they will send me a new card and the transactions which were not mine they credited back to my account but ever since then they refilled me again for {$380.00} XXXX XXXX XXXX- {$5.00} XXXX XXXX $ XXXX {$16.00} {$11.00} for foreign transaction fee. Every time I called they said will call back went to the branch the associate asked me to pay only my purchase balance which I did tried calling fraud department no one helped me in the end they are ported to collection agency to get the money they charged me so many late charges and interest and finally I had to pay the full amount which I was not responsible for. they gave me a claim number and said they will reopen the case. please can you help me to get my money back. Thank you
Consumer complaint received 2024-09-26
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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-27
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. (CO)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-21
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: EQUIFAX, INC. (GA)

I sent that my letters to the credit bureaus to investigate every piece of other accounts on my credit report. 

According to the FCRA The term investigative consumer report means a consumer report or portion thereof and which information of consumers character, general reputation, personal characteristics, mode of living is obtained through personal interviews with neighbors, friends, and associates of the consumer on, or with others with whom he is acquainted or may have knowledge concerning any search items of information. 

They stayed in my account is verified but how is that possible? Account name : ( XXXX ), account number : ( XXXX ), account name, ( XXXX bank ) account number ( XXXX ), account name, ( comenity bank/ulta ) account number ( XXXX ), account name, ( XXXX bank XXXX Account number ( XXXX ) account name ( XXXX capital XXXX account number ( XXXX ) If they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate and according to the FCRA 15 USC 1681 everything has to be 100 % accurate I have the credit report showing the inaccuracies
Consumer complaint received 2024-09-27
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # ( XXXX ). And ( 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 2024-09-27
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 am writing to formally express my concerns and frustration regarding the XXXX data breach that occurred in XXXX. As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. XXXX is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the doctrine of estoppel by silence Engelhardtv v.Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists
Consumer complaint received 2024-09-27
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. (CA)

I am writing to formally dispute the accuracy of the following information listed on my credit report. I have reviewed my report and found that the following accounts contain incorrect information and should be investigated immediately. 

XXXX. Account Name : ** XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$160.00} - **Reason for Dispute : ** I believe this account has been inaccurately reported. 

XXXX. Account Name : ** XXXX XXXX - XXXX Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$330.00} - **Reason for Dispute : ** The amount and details of this collection do not reflect accurate information. 

XXXX. Account Name : ** XXXX XXXX ( XXXX XXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXX - **Amount : ** {$480.00} - **Reason for Dispute : ** This account is inaccurately listed on my credit report. 

Please conduct a thorough investigation of these matters and remove any information that can not be verified. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect these items to be investigated within 30 days.
Consumer complaint received 2024-09-27
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. (FL)

In XXXX i requested my items be removed and updated. Ive never received paperwork. Now im forced to file a complaint. Attached is the letters i sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX