davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX : XXXX Last XXXX : XXXX TransUnion, XXXX, XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, invasive and more importantly violations of my rights as a law-abiding citizen on the Federal Level . In Regards to the named accounts below : Collections Accounts : XXXX XXXX  Acct ( # XXXX ) {$490.00} Charge OFF : neither company provide a XXXX for any of these so called debt XXXX  Acct : ( XXXX ) {$1100.00} XXXX  XXXX Acct : ( XXXX ) {$2300.00} XXXX XXXX XXXX XXXX Acct : ( XXXX XXXX XXXX {$4500.00} XXXX XXXX Acct : ( XXXX ) {$5500.00} XXXX XXXX XXXX. 

Firstly, I would like to draw your attention to 15 US code 1681 A, B and 42 USC Sec. 48, which expressly state that I never provided verbal or written consent to ANYONE or ANY Agency to furnish my information or allow anyone else to obtain my information. Therefore, any information obtained without my consent is in violation of federal regulations. Additionally, I would like to reference 15 US code 1692 and 15 US code 1666B, which address abusive collections practices in which you continuously aide these collection agencies and financial institutions in these egregious practices that violate my Rights. I believe that the late payments and inaccuracies reported on my credit report are not only misleading but also preventing me from accessing funding to secure my family that I am entitled to as a responsible borrower.

Furthermore, if I am indeed the original creditor per consumer law, it is important to note that it is against the law to transfer any contract, as stated in 15 US 1692a ( 4 ) and Sec 1692e # 6 A and B. Any transfer of my contract without my knowledge or consent would be a violation of my rights. As you have continued to aide these companies in these practices, according to 18 US Code 1028A this is Aggravated Identity Theft because you share and use my personal information for credit reporting without my written or verbal permission.

I kindly request that you immediately remove these negative accounts and take appropriate action to rectify the inaccuracies and Federal Violations on my credit report. I also request that you immediately update my report and remove any negative reports within the legally required timeframe, as outlined in the Fair Credit Reporting Act. Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2023-07-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

Hello, I received a collection notice from Gulf Coast Collection Bureau , Inc for a procedure preformed at XXXX XXXX XXXX XXXX on XX/XX/XXXX. My issue is not with Gulf Coast but with XXXX XXXX XXXX XXXX XXXX They set my account up as " receiving electronic statements '' without my consent and I never received a bill via USPS. I never check that email, it has over XXXX emails. Is there anything you can do to stop them from setting accounts up to receive electronic statements/bills without the consumers agreement? 

XXXX took over XXXX XXXX 's so they may have made the decision to automatically set up electric billing for the patients. 

I would have had no problem at all paying the bill and did so as soon as I received the bill from Gulf Coast Collection. Heck, I would have paid it at the time of my surgery also. 

Could you please make sure this doesn't show up on my credit report? Please, please let me know if there is anything you need from me. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2023-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

XX/XX/ someone opened a fraudulent credit card from capital one from XXXX VA. I called capital one and had it shut down. I was then told by capital one I need to contact all three credit bureaus to have the hard inquiry removed from my credit history since it was fraudulent and not me. XXXX told me this inquiry can not be removed from my account for two years! This was not me and I want it off my account. I filled two disputes and they said they are not removing the inquiry from my account!! This was not me and I want it off my report it was FRAUD. Capital one informed me it can be removed from my credit history and XXXX keeps saying they can not remove it even though they have verified it was fraud with capital one.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On the website for the CapitolOne SavorOne card, it was advertised as having a 0 % introductory APR for fifteen months, and then an APR between 19.99 % -29.99 % after that. This was on the website when I applied on XX/XX/XXXX and then on XX/XX/XXXX when I spoke with Capitol One for the second time via phone. They verbally admitted to this advertising still being present. 

I called on XX/XX/XXXX when I saw my APR was 30.49 %. They assured me this was because my account was just opened and it would be 0.00 % soon. They advised me to call back the next day if it did not reflect this. I called again on XX/XX/XXXX and was told that I could not receive this APR because I had already agreed to the terms that did not provide me with it. Even when I escalated to a supervisor, they told me I would have to speak to a financial advisor to understand why I was not approved. When I expressed that I wanted the original advertisement to be honored I was told repeatedly that would not be possible.
Consumer complaint received 2024-06-24
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have the claims with Bank of America due to being a victim of identity theft and my benefits being unauthorized and fraudulently used, despite me sending a Identity theft report from the Federal trade commission, A police report, a copy of my government ID, Bank of America has not refunded these unauthorized charges, even after I sent them via fax all documents proving I was a victim of identity theft and that my benefits were stolen. 
XXXX XXXX XXXX If the policy is ( Bank of America 's {$0.00} Liability Guarantee policy ) ensures that customers are not held responsible for any fraudulent transactions made with their Bank of America credit or debit cards. This policy is designed to protect customers from unauthorized transactions and provides assurance Why am I being held responsible for unauthorized and fraudulent charges? 


I asked for documents supporting why they denied my claim and did not reimburse me and all they sent was another letter stating that my claim was denied, no information why
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX ct XXXX XXXX XXXX, FLXXXX  XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Truist, I am writing to dispute inaccurate information on my credit report as provided by your agency. According to the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe is incorrect or incomplete. 

The item I am disputing is as follows : - **Account Name/Number** : [ XXXX XXXX ] - **Creditor** : [ XXXX ] - **Type of Discrepancy** : Late Payment Reported for [ XX/XX/XXXX ] I have reviewed my records and have confirmed that the reported late payment on this account is incorrect. As per the FCRA, all data furnishers are required to provide accurate information to credit reporting agencies. This includes ensuring that all reported late payments are correct and verifiable. I request that you investigate this matter and correct the information on my credit report as soon as possible. 

Under the FCRA, you are required to investigate my dispute and provide a response within 30 days of receiving this letter. Please conduct a thorough investigation and delete or correct the inaccurate information on my credit report. Additionally, I request that you send me a confirmation once the correction has been made. 

Please find my personal information below for reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXX XXXX XXXX  Thank you for your prompt attention to this matter. If you need any additional information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (CT)

I am now requesting proof of the previous investigation.Im asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX days update the account to PAID/NEVER late and send a copy of my updated credit report
Consumer complaint received 2024-06-24
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. (CO)

This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.
Consumer complaint received 2024-06-24
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)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Consumer complaint received 2024-06-24
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. (GA)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

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

I told/informed XXXX, Transunion, and XXXX to XXXX and or remove these accounts : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the XXXX XXXX stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the XXXX business days allowed with the XXXX & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 15 U.S.C. 1681s-2 ( A ) ( XXXX ) [ 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Consumer complaint received 2024-07-11
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. (FL)

I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX ( XXXX XXXX XX/XX/year> ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-06-24
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. (GA)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiries on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I have not initiated any transaction with any company listed. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any company listed below for review or collection.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Did not consent to unauthorized items the items was not authorized. 
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 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

Account Name : XXXX XXXX Account # XXXX has violated my rights. 

Account Name : XXXX Account # XXXX has violated my rights Account Name : XXXX XXXX XXXX  Account # XXXX has violated my rights Account Name : XXXX XXXX Account # 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.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other than records of convictions of crimes which antedates the report by more than 7 years.

15 USC 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 2024-06-24
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. (VI)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-06-24
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. (GA)

On XX/XX/year> I reached out to TransUnion and have been filing dispute since then. I have sent in every documentation that they have request from me. I sent in a FTC report informing them that they are reporting fraud on my consumer file. They stated that the U.S. Bankruptcy court verify that the bankruptcy is reporting accurate on my file. I went to the court house and obtained a letter from the U.S. Bankruptcy court which stated that they don't report bankruptcy. I have contacted XXXX which is stated on TransUnion website is their three party vendor. XXXX ensure me it's no bankruptcy reporting on my file because it was removed due to fraud. This bankruptcy has been removed from XXXX and XXXX. I have filed over 20 dispute with TransUnion each time the come back as verified. I have contacted XXXX and had them file a manual dispute several times and each time TransUnion is coming back less then 30 days stated that it is verified as accurate.The federal fair credit reporting act promotes accuracy, fairness, and privacy of information in the consumer reporting agencies. Consumer reporting agencies must correct or delete incomplete or inaccurate information. TransUnion has failed to abide by the rules and the laws set in place for consumers. I have been fighting with TransUnion for two years to remove this inaccurate. I have send in all the documents that they have requested. I really need help! I am trying to purchase a home and this is hurting me. My next step I will be filing a statement of claim if I can't get this resolved with them.