davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Balance : {$98.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$440.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-19
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. (IL)

XXXX XXXX XXXX Account No. XXXX is reporting INCORRECTLY as a joint account. Transunion failed to investigate and delete the tradeline.
Consumer complaint received 2024-04-29
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: EQUIFAX, INC. (MO)

Upon reviewing my Equifax credit report, I have identified inaccurate inquiry. I kindly request the deletion and blocking of this inquiry that do not belong to me within the next XXXX business days.
Consumer complaint received 2024-05-02
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. (GA)

In accordance with the fair credit reporting act. The List of accounts below has has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 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 furish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Consumer complaint received 2024-11-19
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. (NJ)

I am writing to formally notify you that I am a victim of a data breach that has resulted in fraudulent accounts being reported on my credit file. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting the immediate blocking and deletion of the following fraudulent account from my credit report. 
Fraudulent Account to Be Deleted : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-19
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)

Subject : XXXX XXXX Transunion for FDCPA Violations Complaint Details : I am filing this formal complaint against Transunion for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692c ( c ). Despite sending a formal cease and desist letter on [ Insert Date ], XXXX or their associated agents have continued unauthorized communications and collection activities related to an alleged debt. 

The specific details are as follows : XXXX XXXX XXXX XXXX These actions constitute harassment and a violation of my federally protected rights. Case law such as XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affirms the consumers right to request cessation of communication. XXXX failure to honor my demand not only disregards my legal rights but has also caused significant distress, including emotional harm and damage to my financial well-being. 

Specific Issues : Continued communication despite a formal cease and desist notice. 
Failure to respect my rights under the FDCPA. 
Harassment through unauthorized collection attempts. 
Impact on Me : These ongoing violations have caused : Emotional distress and mental anguish. 
Reputational damage, as I have had to repeatedly explain this situation to creditors and others. 
Financial harm, as their actions may have adversely affected my credit report or score. 
Desired Resolution To resolve this matter, I am requesting the following : Immediate Cease and Desist Compliance : XXXX must formally confirm in writing that they have ceased all collection activities and communication regarding the alleged debt. 
Account Correction : If any negative credit reporting or marks related to this issue exist, they must be corrected or removed. 
XXXX XXXX : A formal written acknowledgment of their FDCPA violation and a commitment to avoid similar conduct in the future. 
Financial Compensation : Due to the distress, harassment, and financial harm caused by their actions, I request compensation in the amount of {$5000.00} to cover emotional distress, reputational damage, and any related expenses incurred while handling this matter. 
Failure to meet these requests will leave me with no choice but to pursue further legal action to protect my rights. 

I look forward to the CFPBs investigation into this matter and appreciate your prompt attention to my complaint. 

Sincerely, [ Your Full Name ]
Consumer complaint received 2024-11-19
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. (NJ)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act. The List of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 7 years.
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
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.

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 XXXX 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 XXXX 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 2024-11-19
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. (IN)

Subject : Request for the Removal of Charge off accounts due to inaccuracies and discrepancies. 
Dear Transunion, I am writing to formally Request the Removal of inaccurate Charge off accounts from my credit file, as detailed below. These accounts are reporting in error and do not reflect the accuracy status of my financial credit history. 
XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX  Open date- XXXX XXXX Balance {$940.00} XXXX Open date- XXXX XXXX Balance {$1500.00} XXXX Open date- XX/XX/XXXX {$5000.00} I have previously requested XXXX regarding the reinvestigation method of Verification process for these accounts, as provided under the FCRA. Unfortunately, I have not received the necessary documentation to support the accuracy of these accounts. As per the FCRA, Transunion is required to provide me with the description of the procedure used to determine the accuracy and the completeness of the information including the name of the company, address, phone number, who performed the process, and the individual 's title during the reinvestigation process. The lack of this documentation raises concerns regarding the validity of these Charge offs. Given these inaccuracies and failure to provide the requested verification. By FCRA Laws, Transunion MUST remove these chargeoffs from credit file immediately. 
Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliant Capital Management LLC (VA)

Please see My attached With Prejudice as a Memorandum for the Record dated XXXX XXXX XXXX, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Consumer complaint received 2023-11-22
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. (FL)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CA)

Hello and thank you for taking the time to help out with my account I had processed a payment for the past due balance of {$1600.00} on XXXX XXXX, XXXX  Payment Amount : Payment Date : Authorization Date : Payment Account : Confirmation Code : {$1600.00} XX/XX/2024 XX/XX/2024 XXXX XXXX BMW  notified me the payment was returned however the payment was posted on my XXXX XXXX personal checking account? 

I filed a CFPB with XXXX XXXX and their executive team responded with the Confirmation of Payment page that shows BMW was indeed paid the {$1600.00} yet the balance is still present on my account
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

My loans were forgiven under XXXX in XX/XX/2023. XXXX still reports the full amount on my credit report though they report {$0.00} balance due, and XXXX also shows a {$0.00} balance. I tried disputing it through the credit bureaus but they have continued to report the full balance as outstanding.
Consumer complaint received 2024-05-02
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. (MI)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2024-11-19
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. (SC)

TransUnion is reporting false inquiries on my credit report. The inquiries that are reporting does not belong to me. When I was on a trip someone got a hold of my personal information. I was a victim of identity theft. If these inquires are not removed I will file litigation. I am entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (MD)

XX/XX/XXXXXXXX XXXX XXXX I contacted Navy Federal Credit with questions regarding cash-out refinancing. I explaining to the representative my prior equity line loans with Navy Federal and how one of my equity loans went to collections and come to find out the allot from my paycheck was never applied to that loan and I had {$10000.00} just sitting out there. Fast forward everything was taking care the derogatory reports dropped off my credit reports two years ago. I tried applying for a credit card and was denied. Again, poor credit performance but I got a credit card with my other banking institution and XXXX XXXX. And all three credit bureaus have me as having excellent credit scores. 

The mortgage representative said let 's apply and see what happens. He would have to do a soft credit report to see if I qualified. I unlocked my credit reports and I was preapproved to proceed to a loan officer and a hard inquiry would be pulled from the credit bureau and of course my score would decrease. The next step a loan officer sent me an email and I received documents via XXXX. I had a few questions contacted the loan officer and she answer my questions. I sent my documents back via XXXX on XX/XX/XXXX. On that same day when the loan officer received the documents the credit denial letter had the same date and it was mailed on the XXXX, XXXX. Why put me through all of this process if they knew the were going to deny my application. I tried calling a couple of times left a voice message and no one has yet called me back explaining poor credit performance with navy federal. Yet, my current equity is paid up until XX/XX/XXXX and I am still making the monthly payments on time. I just applied for credit from two companies and was approved. I also, feel as though I am being racially denied an equity loan. I am aware of the lawsuits against Navy federal denying mortgage loans to XXXX XXXX XXXX XXXX XXXX. I just want an explanation on why I being denied credit when all three credit reports say otherwise. I am including all of that in my documents.
Consumer complaint received 2024-01-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (MA)

I activated the cashback offers and made purchases of the XXXX XXXX and the XXXX XXXX XXXX  with my credit card. There is supposed to be cashback on both, but despite numerous contacts, it still has not been credited to my account. Instead, I get copied and pasted XXXX  from customer service XXXX. I know how their programs work, I've been participating in them for years and years. I shouldn't have to chase down the cashback every time
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One is advertising Complimentary XXXX XXXX Benefits for cardholders https : //www.capitalone.comXXXX XXXX  I signed up for this back in XXXX. To date Capital One has charged my credit card TWICE for the subscription and has not credited me back as stated. I have called and spoke with uninformed, untrained outsourced scriptreaders who had no idea what I was talking about. I email Capital One Executives and Exec. Customer Service TWICE now and they haven't bothered to reply. I contacted Social Media and they were useless.
Consumer complaint received 2024-01-12
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. (WV)

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness.
Consumer complaint received 2024-05-02
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-02
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX