davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-21
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 am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Consumer complaint received 2023-07-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company:  Lippman Recupero, LLC (CA)

My family sent my drivers license through US POSTAL SERVICE and my drivers license was never received. I after not receiving my drivers license I am now receiving a debt collection letter from a debt collection agency. I contacted the debt collection agency Lippman Recupero and they stated that I had booked a hotel room in XXXX XXXX and did not pay for the hotel room and as a result the debt was sent from the hotel to the debt collector.
Consumer complaint received 2024-05-21
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. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to formally dispute inaccurate information reported on my credit report by XXXX XXXX XXXX. This account ( Account XXXX XXXX ) does not belong to me and is only being reported by TransUnion XXXX not by XXXX or XXXX XXXX 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. The specific sections of the FCRA that are relevant in this case include : Section 609 ( 15 U.S. Code 1681g ) : This section entitles consumers to request all the information a consumer reporting agency has on file.

Section 611 ( 15 U.S. Code 1681i ) : This section requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information.

Section 623 ( 15 U.S. Code 1681s-2 ) : This section mandates that furnishers of information, such as XXXX  XXXX XXXX XXXX report accurate information and correct any previously reported inaccurate information. 
The presence of this erroneous account is not only a violation of my rights under the FCRA, but it is also causing significant harm to my creditworthiness. As a result, I am facing undue hardship, including difficulty obtaining new credit and increased financial stress.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Finding an error indicating a late payment on my account is distressing, especially considering my history of consistently meeting payment deadlines. This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Consumer complaint received 2024-05-21
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. (MN)

Subject : Dispute of Hard Inquiry on my Credit Report Dear Sir/Madam , I am writing to officially dispute a hard inquiry that is listed on my credit report. After reviewing my credit report obtained from your credit reporting agency, I discovered an inquiry that I did not authorize or recognize. I request an immediate investigation into this matter and ask for the removal of the hard inquiry from my credit profile. 
Details of the hard inquiry : - Inquiry Date : XX/XX/2023 - Company Name : XXXX XXXX XXXX I would like to highlight the following concerns regarding this hard inquiry : 1. Unauthorized Inquiry : I have not given consent to [ Name of Company ] or any other entity to perform a hard inquiry on my credit report. This unauthorized inquiry has been detrimental to my credit score and overall financial well-being. 
2. Lack of Information : I am unaware of the specific purpose for this inquiry. I have not engaged in any new credit applications, loan requests, or any other activities that require a hard inquiry during the stated time frame. 
3. Possible Error : It is possible that this inquiry has been reported incorrectly, or there may potentially be an identity theft issue. I request a thorough investigation to verify the legitimacy of this inquiry. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a prompt investigation of this disputed inquiry. Therefore, I kindly request that you initiate the investigation immediately and provide me with a written response within the legally mandated 30-day period. 
Please provide me with the following information upon completion of your investigation : 1. Confirmation of the legitimacy of the hard inquiry. 
2. The source of the inquiry. 
3. Steps taken to rectify any errors or inaccuracies in my credit report. 
4. Verification of the removal of the disputed hard inquiry from my credit profile. 5. Updated copy of my credit report reflecting the amendments made. 
I understand the importance of maintaining accurate and up-to-date credit information. I respectfully request your urgent attention to this matter and appreciate your cooperation in resolving the dispute promptly. 
Enclosed with this letter are copies of relevant documents supporting my dispute. Should you require any further information or documentation from me, please do not hesitate to contact me using the information provided above. 
Thank you for your immediate attention to this matter. I look forward to receiving a satisfactory resolution to this dispute within the designated time frame. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-05-21
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)

The account of XXXX and XXXX in collections is not mine, they sent an original contract but the bank account is not mine, the address on record is not mine and when my dispute was investigated by you guys it was was closed with out really investigating anything taking sides with the collection agency i never have had any business with, all i want is for this collection to be removed from my credit report as soon as possible.
Consumer complaint received 2024-05-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I found a number of incorrect personal information on my credit report and I contacted TransUnion in order to resolve these. They have down right failed to comply with FTC Regulations and refuse to fix these issues, this is a clear violation of my consumer rights.
Consumer complaint received 2024-05-21
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)

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 2024-05-21
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. (GA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute inaccurate late payment entries on my credit report, which are negatively affecting my credit score and creditworthiness.

These inaccuracies are unjustly damaging my credit score and creditworthiness, impacting my ability to obtain credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and fair credit report.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-07-12
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)

PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MN)

READ SLOWLY AND THOROUGHLY! In response to my CFPB complaint ID XXXX and XXXX, American Express ( AmEx ) failed to address -- on every single piece of information provided to them -- my complaints, and they now allege I owe them a balance. Additionally, they have changed my communication preferences to allow postal mail from them, when I did not give them any permission to do so. First, AmEx was told that I am not the one who made the abusive phone calls to their customer service professionals -- my late husband made those calls, who was an authorized user on my accounts -- meaning, he had legal permission to speak to AmEx -- and I, therefore, provided his death certificate to substantiate what I am asserting. AmEx did not so much as acknowledge that the basis for my complaint is that I am not the one who made the calls. If AmEx has proof that it was me, personally, and not my husband, who made those calls, I invite AmEx to provide that proof. Otherwise, AmEx is to address the fact that I did not make the abusive calls ; those were made by my late husband. Second, AmEx states I owe them money on my individual accounts that were closed -- and this is false. I paid my accounts in full when they were closed, and they have been reported as a zero balance on my credit reports for more than three years. If there is any balance due on my individual accounts, I assert that AmEx is falsifying and fraudulently claiming I owe money. Lastly, AmEx sent me an email dated XX/XX/year>, updating my communication preference -- to allow for them to communicate with me by postal mail. I made no such request to change my communication preferences. This change violates my privacy rights, because I specifically stated to AmEx, previously, not to contact me. If AmEx has proof to substantiate where I asked to receive postal communications from them, I welcome them to submit that proof. Otherwise, AmEx violated my privacy and communication preferences in an abusive and deceptive manners -- without my permission.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Opportunity Financial, LLC (MO)

To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. Opportunity financial is Removed and deleted off XXXX  but still reporting on XXXX. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. 15 USC 1681s-2 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. Sincerely, XXXX XXXX
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (NY)

Applied and accepted a three month trial modification on XX/XX/year>. Trial period was successfully completed on XX/XX/year>. Mr. Cooper failed to mail me the Loan Agreement to finalize the permanent modification.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: KEYCORP (MD)

Laurel Road Bank was reporting a charge off on my credit report dated XX/XX/XXXX. I called Laurel Bank and they stated they do not have an account in my name. I disputed this charge off with all three credit bureaus this XX/XX/XXXX. Instead of removing the charge off, they re-aged it as new charge -off and now updated my report to reflect a new charge off date of XX/XX/XXXX. In essence they charged off my account twice for the same amount. I have tried contacting them but they keep telling me that I dont have an account with them. When I dispute it they re-age my credit report. This has happened twice because I disputed in XX/XX/XXXX and they re- aged it then. This has caused my credit to drop significantly and has caused me harm to my person and my business. I am in need of a loan for my business due to a disaster however I am unable to get one because the credit bureaus and Laurel Road Bank is reporting inaccurate information on my credit report and when I dispute it they make it worse. They took a 4.5 year old charge off and made it a recent charge off. And when I call Laurel Road Bank they tell me they cant see an account recent or past in my name.
Consumer complaint received 2024-05-12
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 (VA)

On XX/XX/XXXX I entered into {$24000.00} loan agreement ( attached ) with Toyota Financial Services ( aka XXXX  of XXXX XXXX XXXX XXXX ). The Loan ( no. XXXX ) was subsequently refinanced with XXXX XXXX  XXXX XXXX and paid off in full in XXXX. 
My complaint is with the original loan issuer, Toyota Financial as driven by the following circustames which I believe to have punitive, predatory and illegal. 

During the loan closing I was advised by the Finance Manager, XXXX XXXX XXXX XXXX, that I could not quality for the loan due my " poor credit '' which was based on my then XXXX score of XXXX and a past bankruptcy filing in XXXX, and that the only way for me to get the loan was sign up for ancillary and unwanted products as follows : {$2900.00} for Optional Mechanical Breakdown {$1400.00} for Pre paid maintenance {$990.00} for Tire and Wheel Safe Gaurd I was " railroaded '' into taking these services under threat of not being able to buy the car I has negotiated the price after several hours of haggling at the dealership. 
I complaint is being file at this later juncture since I become more aware of my rights now after some research. I am seeking redress in the form of refund of the unwanted product costs and for forgiveness for and refund of the entire debt. 

Thank you for your review of my case. Please call or email me with any questions. 

XXXX XXXX, XXXX.
Consumer complaint received 2024-08-08
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

I have a credit card with paypal via synchrony bank. 
On XX/XX/XXXX i made a payment of XXXX which they never marked against my account. When i contact them they state they can see the payment, but are refusing to mark it against the balance of my account
Consumer complaint received 2023-08-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MN)

XX/XX/2023 I call and spoken with a Chase Claim Agent about some fraud charges that is coming from Amazon.com and XXXX. I mentioned that I wanted to report all of the charges coming from both of these merchets as I do not recognize them and a claim with this reference number was made ( XXXX ). On XX/XX/2023 I received a notice that my claim was DENIED. I call and speak with a claim agent supervisor on XX/XX/2023 at XXXX XXXX, my local time. I was informed that the reason for the denies is because I didn't include all of the transaction from XXXX  and that there was noting they can do. I XXXX XXXX did included all the transactions when I made the call on XX/XX/2023, if the claim agent who was taking down my fraud report forgot to include some of them, how was that my fault as the client who bank with them? CHASE BANK also CLOSED my claim case without even doing a fraud investigation on it and solo reason was I didn't include one or more transaction coming from XXXX. CHASE BANK outcome with this claim case is unfair as they're REFUSING to even do a investigation. Their own agent forget to include one or more transaction coming from XXXX and is flat out blaming me as the client for it and refusing to even do a investigation. CFPB please help me with this as to why chase bank is treating me unfairly. 





Reference # XXXX
Consumer complaint received 2024-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (IN)

Daughter was transported to a higher acuity hospital from local hospital in XX/XX/year>. given a face sheet from hospital with correct billing information, insurance etc. I was also with patient and gave all requested information for billing. I have not received any communication since and insurance paid 100 % of all hospital visits so assumed ambulance was covered as well. Patient had XXXX insurances and out of pocket max was met. XXXX XXXX  never billed primary insurance, sent all bills and communication to incorrect address and then sold debt to debt collectors. Received info that I am being sued and insurance will not pay due to being XXXX years ago. Bill is for more than XXXX.
Consumer complaint received 2024-07-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Genesis Credit Management, working on behalf of XXXX at XXXX, is rapidly increasing the amount of my debt owed monthly. The account was added to my credit profile in XXXX of XXXX and the original amount of the debt owed was {$130.00}. Since then, that amount has increased to {$130.00} as of XX/XX/XXXX. I will provide photos of the increases in the attachments.