davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: 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. 

XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 an 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 2024-06-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Beginning XX/XX/XXXX I began receiving items from XXXX I did not order. I have a complex password and Multifactor Authentication enabled. Purchases are being made from my XXXX account, the items being purchased appear in my cart but not on my list of orders. I am receiving the strange items delivered to my home and addressed to my name. I did not order these items. 

Approx. XXXX, I called XXXX and explained what was going on. They told me to change my password for XXXX and my Email. I did both. I have had Multifactor Authentication turned on for months prior to this incident. Makes no sense. 

XX/XX/year> I noticed XXXX Bank of America Business Credit Cards, in my name, stored on my XXXX account that I never applied for and had no knowledge of until now. The only information about these XXXX cards is on XXXX. They provide the bank who issued the cards, my first and last name, and the last XXXX digits of the XXXX cards. XXXX XXXX XXXX and XXXX XXXX XXXX. 

XX/XX/year> I called Bank of America, gave them my name, the last XXXX of the XXXX credit cards, my social security number, phone number, etc. they have no record of any account in my name and not the XXXX mystery credit cards in my name. Bank of America told me to contact the credit reporting services. Which I did. 

XX/XX/year> I pulled my credit reports online from XXXX, XXXX and XXXX. They show no suspicious activity as of XX/XX/year>. I did see several Inquiries I did not recognize. 

XX/XX/year> I requested Fraud Alert be applied for 1 year from XXXX XXXX After no help from anyone, I decided to file a dispute with the Federal Trade Commission in case something shows up in the future.
Consumer complaint received 2024-05-20
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. (NJ)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-05-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CITIZENS FINANCIAL GROUP, INC. (IL)

So on XX/XX/XXXX XXXX XXXX XXXX called me and said they sent a cashier check of {$420000.00} to my address and i asked why they didnt call me earlier before they sent out the cashier check to give me the tracking number or to even verify my address given the amount on the check. I went further to inform them that I no longer live in the XXXX XXXX address since XXXX and i am unable to access the address. I also reached out to the property manager and i was told there was no mail in the mailbox. I also requested that there should be a stop payment placed on the check and that XXXX very worried of the check getting into the wrong hands.i was later assured that nothing would happen to the check and if anybody try to cash out the check, it wont go through but i should go into the branch first thing in the morning on XX/XX/XXXX due to the fact that i was called by XXXX  on XX/XX/XXXX XXXX when the check already arrived at the address. So i was asked to go in the branch the next day to sign the lost/ stolen check declaration and other documents. I went in the bank and spoke to a branch manager and i filled all the paperwork and i was assured that nothing would go wrong and no one would be able to cash my cashier check and i should be receiving a new check to my new address on Monday XX/XX/XXXX. On XX/XX/XXXX i called the bank so request for the tracking number of the mail which is to be delivered to my address on XX/XX/XXXX and i was told that it was cashed out in citizens bank in on XX/XX/XXXX. So i asked how that was possible given that I did everything chase asked me to do right on time and i was assured that my money is safe. And also the cashiers check was paid out to only me so how would someone go into citizens bank and negotiate a cashier check in my name and citizens bank paid it out to the person. XXXX further asked me to file a police report and also fill out the forged signature document and open a claim on the money. I did all that and i was asked to wait XXXX XXXX. My main aim is to be able to get my money back without any excuse because my money is meant to be insured by XXXX, and citizens bank were supposed to verify the check from chase before releasing it to whoever came in the branch with my check.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies XXXX, Experian, and XXXX, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) , as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as XXXX, Experian, and XXXX are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that XXXX, Experian, and XXXX continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that XXXX, Experian, and XXXX comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.
Consumer complaint received 2024-06-13
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-31
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central States Recovery, Inc. (OK)

Though I was not aware I owed {$35.00} for an x-ray my child had ( never got invoice from facility and usually you are required to pay in full, which I did for another visit but perhaps not the one in question ) I will pay this amount to be done with it as I would assume its legit. However, the CFPB should investigate and take actions against XXXX XXXX XXXX for failing to do the basics of legal collection efforts. In the messages I get, the agent fails to inform that they are attempting to collect a debit. XXXX, the message is : " This is XXXX with XXXX. Please contact me at XXXX extension XXXX. Thank you. '' Outside of her organization no one would know " XXXX '' or what they do or what this was about. Caller ID shows " XXXX XXXX ''. As I understand consumer protection laws, they are required to state their name, their full company name ( and address ), as well as the call is an attempt to collect a debit ''. Instead, I'm expected to call blindly to deal with a hostile collector and have no idea who or why I would call.
Consumer complaint received 2024-06-13
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)

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 Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 2024-06-13
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)

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 XXXX XXXX XXXX. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX 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 2024-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-11-04
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. (MO)

I am writing to formally dispute and request the removal of fraudulent items from my credit report. It has come to my attention that there are inaccuracies on my credit report that are a result of identity theft and fraudulent activity. I am taking the necessary steps to address this issue, and I kindly request your assistance in resolving this matter. 

This collection account is the result of fraudulent charges and is not associated with my financial history. I have already reported this to law enforcement and the creditor. 

I have taken steps to report the identity theft and fraudulent activity to the relevant authorities and have obtained police reports and incident reports documenting these incidents. I am enclosing copies of these reports, along with any other supporting documentation that will assist in your investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of fraudulent items from my credit report. I request that you conduct a thorough investigation into the fraudulent accounts mentioned above and promptly remove them from my credit file. 

I understand that you may need some time to conduct your investigation, but I kindly ask that you notify me of the progress and provide updates as soon as possible. Additionally, please provide me with a copy of my updated credit report once these fraudulent items have been removed. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$760.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX {$6100.00} XXXX XXXX XXXX Balance : {$760.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX Balance : {$760.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

I am formally request and I alleged that Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand an immediate deletion and appropriate remedies as per the law. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. The following items should be deleted as they are fraud in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-13
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. (IL)

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 

On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were furnished without my knowledge and without my permission .To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I am now demanding for removal Since this is my THIRD, request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
Please see my reasons for dispute below : XXXX XXXXXXXX XXXX XXXXXXXX Transunion and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX  All these accounts are also in violation of The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports.I never gave neither party any written signature that allows for these to be furnished upon my report.
Consumer complaint received 2024-06-13
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)

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 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2024-06-13
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 appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-13
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. (VA)

I sent my dispute a months ago. but untill now thw following accounts and inquries still on my report. I try several times to fixed this issues on my report please make an action delete them all now. i file my ftc complaint and attach it here for proof of frauduent Please delete the following items on my report Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX