davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts were charged off and paid in full in accordance with the 26 CFR 1.6050P-1 by creditors policys. 
A discharge of indebtdedness pursuant to a decision by the creditor or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. 


XXXX XXXX XXXX XXXX account # XXXX balance : {$3100.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account # XXXX balance : {$18000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account : XXXX balance : {$11000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX account : XXXX balance : {$36000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX balance : {$5400.00} opened : XX/XX/XXXX
Consumer complaint received 2024-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ZWICKER & ASSOCIATES (TX)

i have documents and current papers from from zwicker & associates p.c.sending me court papers via mail, and having someone coming to my residence to drop off papers that doesn't look like official court papers with court dates stating Thay are Sueing me over alleged debt/and Sueing me on behalf of XXXX XXXX for the amount of XXXX ..i have sent them a certified dispute letter on XX/XX/2024 over this issue stateing thay are violating my right but Thay still harasses me over this alleged debt. 

NOTE : i will gladly send any information thru what ever means to assist and help
Consumer complaint received 2024-06-10
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. (IL)

I would like to dispute off the following items on my credit report. 

XXXX : XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX EXPERIAN : Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've reached out to the company through numerous phone calls and letters to address this issue. In light of cyber attacks affecting the company and others, I specifically requested the removal of inquiries not linked to an open account from my credit report. I also provided details about several data breaches involving my information. XXXX data breach I received a XXXX XXXX
Consumer complaint received 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Dakota Financial, LLC (KY)

In accordance with fair reporting act XXXX XXXX XXXX has violated my rights.

- 15 USC 1681 section 602 states i have the right to privacy.

- 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

- 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.
Consumer complaint received 2024-05-17
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. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Accounts on XXXX Credit Report Dear Sir/Madam , I am writing to dispute several accounts on my XXXX credit report, as they are inaccurately listed and do not belong to me. Despite my repeated attempts to resolve this matter, I have encountered significant challenges in disputing these accounts online, particularly through Transunion. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in rectifying this issue.

The accounts in question are as follows : XXXX XXXX Account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : {$3000.00} Address Associated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Account : Account Name : XXXX XXXX  Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Charged off Balance : Not specified Address Associated : Various addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I am a victim of identity theft, as I have never opened accounts with XXXX XXXX or XXXX XXXX. Additionally, the addresses listed in association with these accounts are unfamiliar to me, and I have never resided at any of these locations. It is evident that these accounts have been erroneously reported to my credit file, causing significant harm to my creditworthiness and financial standing.

Despite my efforts to dispute these accounts online, I have faced obstacles, particularly with Transunion, which has made the process arduous and unproductive. Therefore, I am seeking your intervention to ensure that these inaccuracies are promptly addressed and removed from my XXXX credit report. 

I kindly request that the CFPB investigate this matter thoroughly and facilitate the removal of these fraudulent accounts from my credit report. I am also open to providing any additional information or documentation to support my claim of identity theft. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-05-17
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. (MD)

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 2024-05-17
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 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 right to privacy.

15 U.S.C 1681 Section 604 a section 2 : it also states a consumer reporting agency cannon furnish an account without my written instruction 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 informaiton, 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 infomation relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-11
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Baxter Bailey & Associates (CA)

Hello, we have been contacted by XXXX XXXX from Baxter Bailey & Associates out of XXXX, XXXX XXXX to be attorneys. Upon contact, they state they will file civil charges including defamation and harassment. When asking for paperwork for the client they represent, XXXX was unable to furnish proper paperwork confirming the legitimacy of their client. XXXX has on multiple occasions threatened legal suit and slander if we don't pay their client. However, their client breached our contract under " fraud '' for double brokering a load. XXXX has even spoken on behalf of their attorney XXXX XXXX, practicing out of TN and instructed us over the phone that XXXX had every right and authority to speak on behalf of their client and attorney without being barred himself. Baxter Bailey & Associates are representing fraudulent actors in motor carrier operations, threatening defamation and pretending to be attorneys.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit inquiry listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove and haven't received a response. 

Transunion : date : XX/XX/2023 Company : XXXX XXXX XXXX Type : Banks and XXXX & XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX phone : XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX Closed account on XXXX XXXX. OFFERED SETTLEMENT for previous bank account that is closed. Settlement paid on XXXX XXXX. Status of account was never updated, company continued to report poor remarks and demand full payment. Company shill continues to demand full payment. Credit reporting agenecy has incorrectly stated account meats FCRA standards without running investigation. When asked to delete file they update with wrong information. They have recover disputes since XX/XX/year> and have refused to resolve error 's for 12 months now
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC. (PA)

Fraud occurred from a Sofi Bank account holder to me. Sofi Bank caught this issue and contacted me. Money was fraudulently wired from my account at XXXX to Sofi bank. I contacted them and it has been over 150 days and there is still no updated status after the initial discussion. Sofi bank requested a hold harmless letter from XXXX and that was sent to them on XX/XX/year>. XXXX then followed up on XX/XX/XXXX but still has not received any correspondence or funds back. A previous complaint was sent to SOFI bank through CFPB and Sofi asked for a hold harmless letter. THAT LETTER HAS BEEN PROVIDED. I do not know why SOFI bank told the CFPB that they are waiting for this letter. I am very upset and concerned that they lied or did not find the matter important enough to verify that they already had the hold harmless letter. it concerns me that SOFI bank is delaying any response. it has been over 60 days since I have heard anything from SOFI and over 150 days since the start of communication. One fraud specialist at SOFI sent a few e-mail up the chain of command, over 60 days ago, but I never heard from anyone else at SOFI. Please help me get some answers and resolution to this matter.
Consumer complaint received 2024-05-17
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. (PA)

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Some accounts listed contain inaccuracies in terms of the reported amounts and dates.
Consumer complaint received 2023-06-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-05-17
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 XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : 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 2023-07-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I opened two new accounts with a {$600.00} member bonus promotion code. Both of my accounts were closed without notice via mail, without notice via email and without notice via telephone although all my information is on file. Also, I did not request my bank accounts be closed. I contacted the bank after receiving a check for {$1000.00}, and they stated my accounts were closed because my {$15000.00} check deposit didn't clear. My XXXX XXXXXXXX verified that check did clear and Chase received those funds on XX/XX/2023. In addition, I had a bi-weekly payroll deposit direct deposited to the checking account. My accounts were reopened XX/XX/2023 with my {$600.00} member bonus promotion " pending ''. However, I still have not received the {$15000.00} I deposited into my savings account that the bank stated they mailed to my home address as a cashier 's check. Those funds should have been put back into the Chase savings account immediately. I want my money now as they have it interest free since XX/XX/2023 and I have yet to receive the cashier 's check they supposedly mailed about XX/XX/2023. It looking like they have stolen my money! Futhermore, I want to make sure I receive that {$600.00} member bonus promotion code, as I completed all the requirements.
Consumer complaint received 2024-05-17
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. (NY)

In accordance with the Fair Credit Reporting Act, your company is in clear violation of the law.

Under 15 USC 1681b- Permissible purpose of consumer reports, The Law CLEARLY STATES : ( a ) IN GENERAL.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( a ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency violates 15 USC 1681.

Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company.

Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1 681 violations for willful noncompliance-6 16. Civil liability for willful noncompliance ( 15 U.S.C 1681n )
Consumer complaint received 2024-05-17
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)

I reviewed my consumer reports and I notice that I have XXXX late payment that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best their ability with Maximum Accuracy I have never been late for payments for the account Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$90.00} Open balance {$2000.00} Credit limit, Also as you can check with the XXXX XXXX XXXXXXXX, I ALWAYS had a automatic payment set up from my bank account. 
What I believed that could happened, a XXXX months a go I was a victim of identity theft and some of my cards were hacked ( see FTC report Attached ), there was a purchased on my XXXX  XXXX XXXX account that was no me. 
I don't have {$90.00} dollars opened balance and I don't have late payments, my all my card the have automatic debit set up : since XXXX I have never miss a payment, and I never authorized to remove my auto pay. 
If proof cant be provided I DEMAND to these payments to be update to on time payments as they should be. 
thanks OVERVIEW Credit limit {$2000.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made XXXX XXXX  of payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-17
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)

Despite my efforts, these issues remain unresolved. Enclosed is the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my original certified mail request, I will escalate to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract or document with my signature. If not, remove these items from my report immediately.