davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX DOB : XXXX Phone Number : XXXX Date : XXXX To : TransUnion Subject : Formal Dispute and Complaint - Violations of the Fair Credit Reporting Act ( FCRA ) Dear TransUnion, I am writing to formally dispute the inaccurate and erroneous information that you are currently reporting on my credit report and to notify you of multiple violations of the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : XXXX Account Number : XXXX Account Status : Closed Original Creditor : XXXX Balance : {$84.00} Date Opened : XX/XX/year> Status : Account charged off. 
XXXX XXXX XXXX Account Number : XXXX XXXX Account Status : Closed Age of Account : XXXX months Violations of the Fair Credit Reporting Act ( FCRA ) : 1. Section 605B : Blocking Information Resulting from Identity Theft Violation : Despite submitting an FTC Identity Theft Report, a police report, and my verification documents ( drivers license and Social Security card ), TransUnion failed to block the disputed information within four business days as required by FCRA 605B.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer as a result of the failure, punitive damages, and attorneys fees.

2. Section 611 : Procedure in Case of Disputed Accuracy Violation : Upon receiving my dispute, TransUnion did not conduct a proper reinvestigation of the disputed information within 30 days, as mandated by FCRA 611. Instead, TransUnion continued to report the inaccurate information despite clear evidence of identity theft.

Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

3. Double Reporting of the Same Debt Violation : TransUnion is currently reporting both the original XXXX  account and the new XXXX XXXX XXXX collection account for the same debt. This constitutes misleading and unfair reporting, causing undue harm to my credit score. 
Penalty : Civil liability for willful noncompliance includes actual damages sustained by the consumer, punitive damages, and attorneys fees. 

Requested Action : I request that TransUnion take the following actions immediately : 1. Block and remove the XXXX account ( Account Number : XXXX  ) from my credit report as per FCRA 605B. 
2. Remove the XXXX XXXX XXXX collection account ( Account Number : XXXX XXXX ) from my credit report as it is the same debt as the disputed XXXX account XXXX 
3. Provide written confirmation that these accounts have been removed from my credit report.

Failure to comply with these requests will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek legal advice regarding potential damages for these violations.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-13
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. (NY)

HARD Inquiries 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 2024-06-07
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. (TX)

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 XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-08-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC. (MD)

I paid my car not and then same day I paid it off through refi. I called them to ask for my payment back but I got no response. They then stated that any money over they would send back. I refinance the truck and then I saw my credit report where they said I was late. I have never been late. I kept calling asking for a letter to reflect never later and they kept sending me the payment history that shows never late. I asked them to take it off and they will not
Consumer complaint received 2024-06-06
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. (FL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2023, CapitalOne issued a credit of {$2800.00} to my account with the intention of sending it to me as a check. I was overseas for the last XXXX weeks due to work commitments and only had the opportunity to check my mailbox on XX/XX/2023, upon returning from my business trip. On XX/XX/2023, I proceeded to deposit the check through my online XXXX account. However, on XX/XX/2023, I received an unexpected email notification from my banking institution where I had deposited the check, indicating " Clearing Check Deposit Return - {$2800.00} ''. This resulted in my account having a negative balance, and I am now seeking to understand why CapitalOne would issue a check that ultimately could not be processed. 

Upon contacting the banking institution where I deposited the check, they advised me to get in touch with CapitalOne, the issuer of the check, as it had been reversed after initially being cleared into my account. Consequently, I contacted CapitalOne today, but they have yet to reissue the {$2800.00} credit. Essentially, they issued a faulty check that caused my other account to go into the negative. CapitalOne claimed that the check had " cleared '' sometime in XXXX, but this seems improbable since I was away until XX/XX/XXXX. XXXX for another XXXX business days for the credit to be resolved is not feasible for me, especially considering my frequent business trips. I am anxious about potentially missing any future checks they send by mail, and their customer service has not been able to provide me with a clear timeline for resolution or an explanation for the credit mishap.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I disputed the following debt with Equifax : XXXX XXXX XXXX XXXX XXXX that is absolutely not my debt. The dispute was open 1 day then closed on today. How could they have verified the debt so quickly? It doesn't make sense. I had a cell phone with another wireless XXXX at the same time frame and now currently. This debt belongs to my sister. 
Next, I am attempting to dispute a XXXX debt to The XXXX at XXXX ( the XXXX XXXX ). They have a note on my disputes that the XXXX debt with the XXXX was " verified with the furnisher '' as if I had disputed the debt with Equifax previously. However, I had never disputed that particular debt with Equifax. This erroneous debt with the XXXX and the status or record of dispute with this debt has caused myself and my daughter reprehensible damage. This is so because tentative landlords see a report as if the debt has been disputed and verified. We have not been able to secure decent safe housing as a result of these egregious errors on my credit report. The XXXX engaged in pandemic funds fraud, fire insurance fraud, misrepresentation, manipulation, deceptive practices, and coercion and I was not able to properly dispute before Equifax put information that hurt my reputation on my credit. The process to get someone on the phone is extremely hard and they exhibit behavior that favors the creditors. I want my dispute taken seriously, investigated seriously, and relevant material evidence that I submit seriously and fairly weighed by Equifax. Instead, they use my circumstances to try to sell me credit monitoring products.
Consumer complaint received 2024-06-06
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)

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 2024-06-06
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. (AR)

I am disputing the late payment history on my credit report. Please provide documents to support these late payment remarks. Additionally, I request that all inaccurate information on my credit report be updated promptly. Your prompt attention to this matter is appreciated.
Consumer complaint received 2024-06-06
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)

After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE! Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I bought a Toyota XXXX. XXXX is a hydrogen car that Toyota sells with a discount, a state rebate, and a {$15000.00} fuel card. 

This fuel card was characterized to me as having 150 fill-ups while the price of hydrogen went down. That was the way for Toyota to incent the car purchase and protect the buyer from high fuel expenses. 

At the time, the card 's value was {$15000.00}, the price of hydrogen at the time was {$18.00} per Kilogram and the car 's tank had a capacity of XXXX Kilograms. So it was pretty close to XXXX tanks. They even claimed it could get close to XXXX miles of fuel. 

Since I bought the car, the price of hydrogen has not gone down at all. In fact, it has more than doubled. There are XXXX people in the state of California on the same boat. The number of tanks the fuel card holds has gone down by half, the car 's value is intimately tied to the card, and Toyota does nothing to at least make folks whole. It's a double financial whammy. The card 's value is halved, and the car 's trade-in value also keeps going down. Toyota is the single larges customer of this fuel in the state of california and its actions have an impact on every other player in the market. 

The real shame is that it's likely the hydrogen infrastructure will collapse, and the car be worthless. Yet, I still owe Toyota {$30000.00} for a car and a card whose purchasing value went down {$7500.00} in a year.
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MS)

This is an attempt to verify your method of verification as it pertains to an item that is currently being reported on my credit report as XXXX. According to the FDCPA and FCRA, validation must be 100 percent accurate. Make note that this is my request for your description of procedure that shows that I have a contractual obligation from the date this account was opened up until the date of last activity that this account and alleged balance is 100 % correct and accurate and based on the total you are stating is owed by me. 

Please provide to me the name, address, and telephone number of the person ( s ) who are verifying this alleged account that has been purchased or assigned from the original creditor or account holder that you are stating is your source for the inaccurate information that you feel is 100 % correct.

Im sure you are aware that a printout of a bill or a itemized document wont suffice according to the the FTC opinion letter from Attorney XXXX XXXX XXXX. 

Also, as I was reviewing my credit report, I noticed that my report was not properly coded as in dispute within 30 days of my last dispute. This is a violation of the Fair Credit Reporting Act. Compliance is required with the terms of this complaint within 30 days of your notification, or I expect complete removal from my credit profile. If not, I will exercise my right to file charges, contact the Federal Trade Commission and the attorney general, or any other relevant agencies or authorities. If necessary, I will also take civil action to recover my damages, This is my final attempt to demand compliance with the laws that you are bound to according to the FDCPA and the FCRA. If I need to, I will seek legal counsel for each violation, which is {$XXXX} per violation. This would include defamation in addition to various other violations that have been committed.
Consumer complaint received 2024-06-06
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. (OH)

XXXX  XXXX refused to send me a letter to inform the credit bureaus that they are reporting inaccurate information on my credit report file, I contacted XXXX XXXXXXXX on XX/XX/2024 about a automobile loan I have paid off, that wasnt reported as charge off as the credit bureau is reporting that the account is listed in charge off with a balance the account # XXXX I informed XXXX XXXX the credit bureau are reporting this account as listed as charge off with a balance, I spoke to XXXX XXXXXXXX employees XXXX and XXXX they both informed me that this account wasnt reported as charge off with a balance but they refused to send out me a letter to send to the credit bureau so that this error can be corrected
Consumer complaint received 2024-06-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-07-13
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. (TN)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-06
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)

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 2024-07-13
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)

This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with XXXX XXXX XXXX and advised them this is not an auto loan or a credit transaction, even filed complaint with XXXX  and still no resolution. Let me clarify, this does not belong to me XXXX XXXX XXXX # XXXX {$180.00}. I have even attempted to dispute with Trans Union because this was never validated. I never received any information and this is still on my file. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done. I will seek legal counsel against Trans Union if this is not rectified.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of Unauthorized Hard Inquiries under 15 USC 1681b Dear XXXX, I am writing to formally dispute several hard inquiries listed on my credit report, which I believe to be unauthorized. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b, I request the immediate removal of these inquiries from my credit report. 

The inquiries in question are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries were made without my authorization and therefore do not meet the permissible purposes required for inclusion in my credit report under 15 USC 1681b. According to this section of the FCRA, a credit report may only be accessed for specific permissible purposes, and unauthorized inquiries should not be reflected in my credit report. 

Under the FCRA, you are required to investigate my dispute and correct or delete any unauthorized or unverifiable information within XXXX days of receipt of this letter. Please provide me with a written statement of the results of your investigation and a free copy of my credit report if the dispute results in any change. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX