davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX did not honor the dispute letters that I've been sending since XX/XX/year>. So, I called to ask why because they have continually sent letters stating it wasn't me sending them regardless of it being in my own handwriting. The representative then kept trying to pressure me to start the process over by making a dispute via phone or upload n their website right then instead of honoring the previous requests. My resolution is for them to honor the dispute letters that I have already sent.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/year> it's been 60 days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of XXXX data breach. on XX/XX/year>XXXX  i sent a letter regarding inaccurate and unknown things on my report its been more than 60 Days they havent responded yet, i feel like they are taking their time and taken avantage of me by ignoring me. iwant these accounts to be removed. from my report as per FCRA section 611A. 
Isurely a victim of the XXXX date breach.
Consumer complaint received 2024-09-18
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. (TN)

I am writing to formally lodge a complaint against all three credit bureaus- XXXX, XXXX XXXX and TransUnion regarding the ongoing issues I am facing due to identity theft. This situation has not only impacted my credit report but has also caused significant distress in my personal life. I have been unable to lease apartments or open utility accounts in my name without paying large deposits or requiring a co-signer. 

I have also noticed multiple unauthorized inquiries. Despite my attempts to dispute these fraudulent accounts and inquiries, the fraudulent activity remains unaddressed to all three credit Bureaus. I have never applied for these loans, nor do I have any association with the lenders involved. These fraudulent accounts have led to persistent collection efforts and have created additional stress as I work to clear my name. I have contacted the utility companies directly, but they often refer back to the credit bureaus for resolution, leaving me in a frustrating cycle. I have attached these referenced accounts listed in my credit report and a copy of my Affidavit of Identity Theft. 

I have been unable to obtain legitimate credit. The emotional and financial repercussions of identity theft are profound, and consumers like myself deserve a more responsive and supportive system.
Consumer complaint received 2024-09-18
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)

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 2024-09-18
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. (IL)

I was viewing my consumer credit reports and seen the following inquiries are not recognized/ approved 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) : 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 - Incorrect Address ( es ) : * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX  XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - Correct Social Security Number : XXXX - **Correct Address** : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreements with your company and am prepared to exercise my legal rights if necessary. 

Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (TX)

I Would like these unauthorized hard inquiries removed from my report. i DID NOT give them permission to pull my report. I want these removed. 

XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
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. (NY)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-18
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. (UT)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX ( Account Name XXXX ) XXXX XXXX XXXX XXXX  ( Account Name XXXX ) XXXX XXXX XXXX ( Account Name XXXX ) XXXX XXXX XXXX XXXX ( Account Name XXXX )
Consumer complaint received 2024-09-18
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. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to HumanTrafficking debt bondage, which falls under trafficking according to Trafficking-DebtFinal Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX .... balance {$8200.00} XXXX XXXX XXXX XXXX .... balance {$9800.00} XXXX XXXX XXXX XXXXXXXX ... XXXX {$21000.00}
Consumer complaint received 2024-10-09
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Pennsylvanias identity theft and consumer protection laws.

It has unequivocally come to my attention that CAP ONE AUTO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, Pennsylvanias laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( XXXX XXXX XXXX XXXX XXXX ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CAP ONE AUTO immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias relevant identity theft and consumer protection statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Pennsylvanias identity theft laws.

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Subject : Dispute of Unauthorized Accounts Identity Theft Dear Transunion, I am writing to formally dispute two XXXX  XXXX accounts on my credit report that I believe are the result of identity theft. The account numbers are : 1. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) 2. XXXX  XXXX # XXXX ( Charged-off : {$490.00} ) Both accounts were opened without my authorization in XXXX. I have contacted both XXXX  XXXX and the credit agencies Transunion, and I filed a Fraudulent Account Statement to dispute these charges. 

The details of the accounts are as follows : First Account : Charged-off on XX/XX/XXXX Reported in good standing on XX/XX/XXXXXXXX  Second Account : Charged-off on XX/XX/XXXXXXXX  Reported in good standing on XX/XX/XXXXXXXX  I discovered I was a victim of identity theft while preparing my taxes, which has made this situation even more distressing. I have since locked my accounts and found several unauthorized items on my credit report, including the aforementioned XXXX XXXX accounts. 

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), if you can not validate these debts, I request that you instruct all credit reporting agencies to delete these entries from my report. I have included a copy of my government-issued driver 's license, a utility bill, and the IRS Identity Theft Form to support my claim. 

Thank you for your attention to this matter. I hope for a swift resolution so I can move forward with my life. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ
Consumer complaint received 2024-09-24
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. (MI)

i HAVE RECENTLY PULLED MY CREDIT REPORTS AND CAME ACROSS SOME ACCOUNTS THAT DO NOT BELONG TO ME AND FRAUDULENT ON MY CREDIT REPORT. I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES NEVERLESS I HAVNT SIGNED CONTRACTS WITH THESE ACCOUNTS. IM REQUESTING THAT YOU DELETE THESE ACCOUNTS FROM MY CREDIT PROFILE AS THEY ARE HURTING MY ABILITY TO DEAL WITH EVERYDAY LIFE. XXXXXXXX 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
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I purchased what was advertised as a high-end dash camera from what turned out to be a scam company, spending over {$100.00}, but received a low-quality product thats not even worth {$10.00}. Before returning the item, I contacted Capital One after reading reviews from others who faced similar issues, warning that months had passed without them receiving refunds. Capital One representatives assured me it was fine to return the item and asked me to email them certain details. After doing so, they then informed me they couldnt assist. Now, Im out the money and the camera, plus I had to pay for return shipping.
Consumer complaint received 2024-09-18
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 reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (NV)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2024-09-18
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. (TX)

I Would like these unauthorized hard inquiries removed from my report. i DID NOT give them permission to pull my report. I want these removed. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX  this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite my repeated efforts to resolve the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The presence of these items has had a severe impact on my life, causing considerable stress and XXXX. It is important to emphasize that I did not authorize or consent to the inclusion of this information, as I am a victim of identity theft.
Consumer complaint received 2024-09-17
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. (NC)

Despite numerous attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are entirely unrelated to me, and I hold no responsibility for them. Their presence has caused me considerable emotional and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this matter is not properly addressed. These inaccurate and fraudulent items have severely impacted my ability to purchase my dream home and provide for my family 's needs. The toll on my financial stability has been significant.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Hello my name is XXXX XXXX XXXX. I noticed there are a few problems on my personal credit report on XX/XX/XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. '' Please correct the spelling on my name to : XXXX XXXX XXXX I should only have 1 address : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Nc XXXX Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account number : Account balance : XXXX Account name : XXXXXXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : {$1500.00} Account name : XXXX XXXX XXXX When the account was opened : Account balance : {$420.00} Account name : XXXX XXXX XXXX When the account was opened : XX/XX/XXXX Account balance : XXXX Account name : XXXX XXXX XXXX when the account was opened : XXXX XXXX Account balance : {$300.00} Account name : XXXX XXXX XXXX When the account was opened : XXXX XXXX Account balance : {$1000.00}