davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-07-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC. (CA)

I applied for two installment loans through Cherry Technologies for XXXXXXXX XXXX XXXX  and XXXX XXXX with XXXX XXXX XXXX. Cherry XXXX paid XXXX XXXX XXXX  the full amount of the loans up front. XXXX XXXX XXXX breached the contract and created a hostile environment for me to return to. There can be no expectation of a standard of care. I notified Cherry Technologies in writing and by phone several times to get a refund of the unpaid loan balances from XXXX XXXX XXXX  who has ignored all communication from me and the XXXX  to resolve the matter. They claim to have a no refund policy but refuse to provide documentation to support that. Cherry Technologies contacted XXXX XXXX XXXX  who offered gift cards as a solution. Cherry Technologies has been been provided documentation to show the breach of contract as well as my concern for my safety and is not resolving that matter.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Credit reporting traunion XXXX  Has made it harder for people to get ahead my credit scores also reports .notice problems XXXX relocated 4 years ago to area we're everyone must have, XXXX XXXX ratein XXXX and above all my nieborhood homes owners business owners nor veterans. I have paid accounts l not bein late and reported using Attached my bank to credit XXXX XXXX notice my scores don't change.whenever l get close nor my husband l notice always reason for credit scores drop, my score hasn't reached. No higher XXXX then notice any reason it dropped. .. which has made it harder to get a head ito XXXX any credit showini have sent in all information for updates. Disputes for over 90 days v.notice. stil No change ... Showing on credit scores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Paid for changes credit scores. Requested companies be
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the FAIR Credit Reporting Act, XXXX XXXX XXXX XXXX account ending in # XXXX and account ending in # XXXX has violated my consumer rights. 
15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2, Accordingly States a consumer reporting agency can not furnish data without my written permission.

15 USC 1666B States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I purchased a car from XXXX XXXX  XXXX, CA on XX/XX/2023. I had my own financing, which the dealership offered to beat. I agreed to allow them to run my XXXX score only ( noted on the application ), after which I was offered an interest rate through XXXX XXXX which was lower than my personal financing. I accepted and purchased the car. 

I later received a letter of cancellation from XXXX XXXX  XXXX, stating that they were not able to get the loan funded and instructing me to return the car. When I attempted, I was told that this letter was sent in error, and there were no issues. I also noticed that there had been several inquiries to XXXX and XXXX from XXXX, which I did not authorize. 

Three weeks after the purchase, I received loan documents from Chase bank, which I never applied to nor authorized. After much back and forth with XXXX XXXX XXXX, they cancelled the Chase account and I used my personal financing as originally planned. 

I have since received two letters from Chase bank, one confirming that the loan was cancelled and another confirming that it was paid off. Based on this I have made multiple attempts to have the Chase loan removed from my credit report, as it was never authorized. I continue to be denied.
Consumer complaint received 2023-04-17
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. (WA)

Hello, On XX/XX/ two student loans were added to my credit report. One amount of {$2900.00} and other amount of {$1700.00}. I have tried disputing multiple times with Credit Karma and XXXX but have had no luck. I took the steps to contact directly with the student loan company XXXX XXXXdept of education ) but can't get ahold of a customer representative to discuss the fraudulent activity. I am also unavailable to acquire these account numbers and I need that information to move forward so I am able to report the fraudulent accounts. I would like to move forward to remove these loans from my account as it has and will continue to effect my credit report as well as affecting my ability to open other accounts. 

Thank you so much for taking the time to read my complaint.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (TX)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00}. 
XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2024-04-12
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. (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 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 2024-06-09
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XX/XX/year> SS # To Whom It May Concern : I received a copy of my credit report, and I noticed some accounts on my consumer report that is inaccurate. 
This is my 3rd attempt at having you delete this inaccurate information. 
This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that these accounts XXXX XXXX XXXX Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX XXXX  Reported Balance {$9200.00} XXXX XXXX Account Number XXXX XXXX Reported Balance {$16000.00} You have validated inaccurate information and these accounts are hereby disputed. 
The information on this account being furnished on my consumer report in fact inaccurate.

15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these accounts are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

How can you verify inaccurate information? You have violated XXXX Compliance procedures and format for reporting! 
Delete thesw accounts from my consumer reports.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to dispute several inaccuracies in my credit report. I have identified multiple accounts with errors related to payment history, balance accuracy, debt validation, and discrepancies in the date of last payment or activity. Despite my efforts to resolve these issues directly with the credit bureaus, they remain uncorrected. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure a thorough investigation and resolution of these discrepancies. The following accounts are in dispute : XXXX Accounts XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Accounts XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX TransUnion Accounts XXXXXXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX I have requested the credit bureaus provide the complete payment histories XXXX validate debts, verify balances, and correct discrepancies in dates of last payment or activity. Additionally, I have asked for the removal of any charge-off or collection remarks where applicable. I seek CFPB 's assistance in ensuring these errors are corrected promptly to reflect a fair and accurate credit report.
Consumer complaint received 2023-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had originally filed a claim with Bank of America and it has been maybe 3 to 4 months now. The claim was on a transaction that I never got the crypto the company had frozed my funds now because BOFA took so long that company has erased all of how much was in their and erased all text messages the good thing I took screenshots shots of all so I have plenty of evidence of the funds being their. The amount I disputed with BOFA is {$1000.00} I just want to get that back.
Consumer complaint received 2024-06-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, XXXX I presume that no proof of the alleged debt, nor therefor any such debt, in fact therefore exists
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In the attachment you will see that the " date opened '' dates on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX show discrepancies. These inaccuracies are causing a negative effect to my credit report.
Consumer complaint received 2023-12-20
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: Experian Information Solutions Inc. ()

I have been informed that a hard credit inquiry was done by XXXX XXXX on XX/XX/2023. I did not do this or did not apply for credit or anything. I am afraid of an identity theft issue or some kind of fraud.
Consumer complaint received 2024-06-09
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. (MA)

I recently reviewed my credit report and noticed several inaccuracies regarding an account listed under XXXX. The details are as follows : Account Number : XXXX Account Type : Open Account Account Type - Detail : Telecommunications/Cellular ( TransUnion ), Collection ( XXXX ) Bureau Code : Individual Account Status : Derogatory Balance : {$6500.00} High Credit : {$6500.00} Credit Limit : {$0.00} Past Due : {$6500.00} Payment Status : Collection/Chargeoff ( TransUnion ), Late 120 Days ( XXXX ) Date Opened : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Last Reported : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date Last Active XXXX XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( XXXX ) Date of Last XXXX : - ( TransUnion ), XX/XX/XXXX ( XXXX ) Comments : Collection Account Account information disputed by consumer, meets FCRA requirements Consumer disputes- reinvestigation in progress Collection account Request for Amount and Calculation of Debt ( 15 USC 1692g ( a ) ( 1 ) ) Pursuant to 15 USC 1692g ( a ) ( 1 ), I am requesting detailed validation of the amount of the alleged debt, including a breakdown of how this amount was calculated. Please provide a detailed account of how the balance of {$6500.00} was determined.

Method of Verification and Reinvestigation Procedure ( 15 USC 1681i ( a ) ( 7 ) ) Under 15 USC 1681i ( a ) ( 7 ), I am requesting a description of the reinvestigation procedure used to verify the accuracy and completeness of the information reported on my credit report. This should include the business name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with this information. This description should be provided within 15 days of receiving this request. 

Specific Issues and Discrepancies : Differences in the Date Opened : TransUnion states XX/XX/XXXX and XXXX states XX/XX/XXXX. 
Variations in the Date Last Active : TransUnion indicates XX/XX/XXXX and XXXX indicates XX/XX/XXXX. 
Payment Status : TransUnion reports Collection/Chargeoff while XXXX reports XXXX XXXX Days. 
Please provide the requested information and correct the inaccuracies on my credit report. I expect your response within the time frame specified by law. If the requested information is not provided or if the discrepancies are not resolved, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly seeking legal advice.These accounts have erroneous and inaccurate information and have different opening dates in Transunion and XXXX, different amounts and do not say who the supposed original creditor is. They are reporting inaccurate information in Transunion and XXXX
Consumer complaint received 2024-06-09
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. (WI)

I recently obtained a copy of my most recent credit report, as I was reviewing the content of my report I noticed some very inaccurate and amiss information. It seems that my credit profile has been compromised by someone knowingly or unknowingly using my personal information. I, being a natural person and very aware that consumer reporting agencies need written instructions by I, THE CONSUMER to furnish a consumer report. Without written instruction, this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. By definition, Transunion has committed identity theft. This is a violation of XXXX XXXX XXXX ( a ) ( XXXX ). 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
XXXX XXXX BANK XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
XXXX XXXX NA Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized COMMUNITY FIRST CREDIT Date of inquiry : XX/XX/XXXX Please delete this from my credit report immediately XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX CREDIT/KOLOSSO TOY Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
CREDITONEBK Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Under XXXX XXXX XXXX XXXX Permissible purposes... 
CAPITAL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As a consumer by law this account must be deleted immediately XXXX. THIS IS A VIOLATION OF XXXX XXXX XXXX ( a ) ( XXXX ) please provide me written instructions that I the consumer gave you authorization to furnish this information. If you can not provide me these instructions written by me prior to this notice then that XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY
Consumer complaint received 2024-06-09
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)

I am submitting a report to challenge and investigate the wrongful reporting of these accounts on my credit file. The Fair Credit Report Act states I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.