davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

ACCORDANCE WITH PRIVACY ACT OF 1974, 5 USC 552a ACCORDANCE WITH GRAMM LEACH BLILEY ACT TITLE 15 USC 6801 PROTECTION OF NON-PUBLIC PERSONAL INFORMATION ACCORDANCE WITH 15 USC 1681a ( 2 ) I DIDNT GIVE WRITTEN PERMISSION TO HAVE THESE UNAUTHORIZED TRANSACTIONS AND ACCOUNTS
Consumer complaint received 2024-05-08
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. (WI)

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, Account # XXXX, Account Name : XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, Account Name : XXXX XXXX XXXX, Account # XXXX, and Account Name : XXXX XXXX  Account # 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 XXXX 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 2024-05-08
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. (CO)

Transunion is reporting a social security that does not belong to me. This social does not belong on my credit. This is Identity Fraud. This is preventing me to get a loan. This is causing me financial distress and will pursue legal action if not removed in a timely manner.
Consumer complaint received 2023-04-12
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 2024-05-08
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)

Im writing to exercise my rights under section 609 of the Fair Credit Reporting Act. Im requesting information regarding the following accounts listed on my credit report : Account Name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX According to section 609, Im entitled to all pertinent information regarding these accounts, including the original contract with my signature. If youre unable to find this information within the 30-day time limit, I request that you immediately remove the information from my credit report.

As proof of my identity, please confirm copy of my Social Security card, birth certificate, passport, W-2, electric bill, and rental agreement. Also included is a copy of my recent credit report, with the accounts in question highlighted.
Consumer complaint received 2024-05-08
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)

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccuracies found on my credit report. The discrepancies involve inconsistent Date of Last Activity, Unknown Collection Agency, Unauthorized inquiry and incorrect account information such as address. 

This inaccurate information is negatively impacting my credit score and financial well-being. I request that the CFPB intervene and assist in resolving this matter promptly.
Consumer complaint received 2024-05-08
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. (SC)

I am submitting this new complaint due to the results from the last complaint and the error was not corrected. I am submitting this in hopes Of Founders federal to reverse late fees that were being reported on XXXX XXXX XXXX- XXXX XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX XXXX XXXX Founders Federal Credit- XXXX XXXX XXXX I have a great payment history with Founders federal and do not recall ever being late. Federal founders is reporting XX/XX/XXXX and XX/XX/XXXX as both being 30 days past due with is inaccurate reporting. It is the duty of the CRAs to ensure all information is being reported correctly. 

Furthermore, the CRAs stated the company sent proof that the payments were accurate and verified which I have yet to receive any documentation and or proof. I am hoping I can resolve this matter with XXXX XXXX. As a courtesy I am asking that the late payments be reversed as paid as agreed and they are hindering me from getting approved for other credit.

15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

You have failed to follow the laws and provide proper documentation in regard to the validity of these late payments. If I can not get these its reversed to paid as agreed my next course of action will to submit a complaint with the attroney general.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-08
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)

Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681
Consumer complaint received 2024-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

The XXXX XXXX on XXXX XXXX XXXX XXXX XXXX XXXX  Has Defraud The Consumer in Illegal Double Indemnity in First Third XXXX Purchase of {$25.00} on XX/XX/year> by Chip Reader Electronic Data Illegal Double Billing by Employee Embezzlement XXXX XXXX the Manager in Financial Fraud at First Third Credited The Claimant $ XXXX For Dispute In The Identity Theft Case # XXXX On XX/XX/year> To XXXX Member Checking Account and Reversed The Charges $ - XXXX and this Is Illegal Double Billing in Cybercrime at XXXX XXXX # XXXX In XXXXXXXX XXXX ( XXXX XXXX Manager in Identity Theft/ Fraud Double Indemnity by Illegal First Third Bank XXXX Indemnity )
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

Repeated calls to my personal phone number, my wife 's phone, and my sons phone, and my work phone they have mailed me it is past statute of limitations they have tried to sue me twice, they do not disclose who they are this call was from XXXX XXXX Nevada, if you look it up there is nothing more than a general store. this needs to stop they keep breaking the laws. Previously on multiple occasions I received a letter stating they can not peruse me in any way shape or form legally but this constant " HARRASMENT NEEDS TO STOP ''!!!!
Consumer complaint received 2024-05-08
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. (DE)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Consumer complaint received 2023-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC (MD)

On XX/XX/ I sent Loan Depot the following Letter : ''I would like to pay for my own Property Taxes. This way, I will not have surprises from LoanDepot regarding a shortage in my Escrow. I have been dutifully paying them on time. Thus far, from my calculations, I am in the positive of ( {$390.00} ) in my Escrow account, but your analysis are saying that I have a negative Escrow of XXXX. I have paid into Escrow for the past 10 months. I have been paying XXXX in Escrow monthly. The analysis sheet sent to me on XXXX XXXX XXXX indicates that I have been only paying {$470.00}. They are claiming a shortage of {$30.00}. Which, I have been paying. In conclusion, because I can no longer trust the analyses that are being sent to me ( in order to bill me a shortage of {$1800.00} ), which is ludicrous, I will pay for my own taxes. Therefore, I can not be sent unscrupulous billing from Loan Depot. 

Also, you have an erroneous amount for my XXXX taxes. What is due is {$1400.00}, which I would like to pay myself. Thank you in advance. '' They also are trying to charge me for RBP, which stands for RISK BASE PRICING, which I googled and found out that this is illegal. I am already paying a mortgage insurance in my Escrow and this should cover any problems in my Escrow. I have never been late on my mortgage or Escrow so what is their problem? Even though, my taxes and insurance have increased there is enough money collected out of my Escrow to cover the costs. After looking at how much I paid in Escrow and how much all of my Escrow came to I would be short approx. {$31.00}. I paid {$6000.00} in Escrow and the total that needs to be paid out at the end of the year is {$6000.00}. Why do they need {$1800.00} claiming a shortage of this amount. 

Thank you in advance for your assistance in this matter.
Consumer complaint received 2024-05-08
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)

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 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I looked over my credit report and noticed incorrect and inconsistent errors on my report. I am demanding an investigation on XXXX account # XXXX. XXXX is unlawful to have incorrect info on my credit report. Please fix or delete from my report
Consumer complaint received 2024-05-08
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. (SC)

Hey there, I'm reaching out because I'm in a real bind with TransUnion. They're flat out refusing to block certain information under Section 605B, and it's causing me a ton of stress. 

I've been dealing with identity theft, and it's seriously messing with my credit report. So, naturally, I tried to get TransUnion to block this incorrect info. But guess what? They're saying no-go. 

I've tried to explain the situation, provided all the necessary evidence, but they're sticking to their guns. It feels like they're not playing by the rules, and it's seriously impacting my financial life. 

I also sent them a response to there letter refusing to block by telling them i am a real person and im not misrepresenting the facts. 

then they sent me a second letter saying i was working with a third party or credit clinic. that's not the case either Can someone please step in and help me out here? I'm at my wit 's end. I've attached all the relevant documents and communications for your reference.
Consumer complaint received 2023-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc. (WA)

Account is held by collections agency " BENUCK & RAINEY INC '' and the original creditor is " XXXX XXXX XXXX XXXX '' The original debt has never been on my credit until it was placed for collections and has wrongfully been placed on my account instead of the original barrow. I am an active account holder at XXXX but it is clearly current on my credit report. Contacting BENUCK & RAINEY by phone I asked for information related to this account but they did not provide it instead they offered to mail it to but they never asked for an address. Additionally BENUCK & RAINEY is either missing information about the account or refusing to carry out due diligence.
Consumer complaint received 2024-05-08
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. (AZ)

I am writing to address several concerning issues regarding the handling of my personal information as governed by various sections of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

Firstly, according to 15 USC 1681 section 602 ( a ) of the FCRA, it is imperative that consumer reporting agencies such as XXXX and XXXX conduct their operations with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information remains secure, as reinforced by 15 USC 6801, which mandates financial institutions to uphold the privacy and confidentiality of customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 ( a ) ( 2 ), it is explicitly stated that consumer reporting agencies may only furnish consumer reports under circumstances outlined in written instructions from the consumer. I have not provided consent, neither written nor implied, for Trans Union, or any furnisher of information to credit agencies to share my personal information.

Furthermore, according to 15 USC 6802 ( b ) ( c ), financial institutions are prohibited from disclosing nonpublic personal information to third parties without informing consumers of their right to opt out of such disclosure. I have not been properly informed of this right by the relevant financial institution.

Additionally, the reporting of adverse items of information, such as the account in question, without my consent violates 15 USC 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including such information in consumer reports.

Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) prohibits the furnishing of inaccurate information to consumer reporting agencies, and XXXX and XXXX are failing to uphold reasonable procedures to prevent violations of the FCRA, as mandated by 15 U.S. Code 1681e.

Finally, under 12 CFR 1016.7, I am exercising my right to opt out of your reporting services effective immediately. 

In light of these violations and discrepancies, I expect immediate action to rectify the situation and ensure compliance with all relevant laws and regulations.
Consumer complaint received 2024-03-25
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: AMERICAN EXPRESS COMPANY (NC)

on XX/XX/2024, I signed up for American Express XXXX XXXX credit card with a sign up bonus of XXXX ( XXXX ) x XXXX free night certificates for XXXX hotel room. I fulfilled the spend requirement but Amex said I'm not eligible for the bonus. Amex said there is a pop up saying I'm not eligible at time of apply. But during the whole application process, there is no pop-up like that. 

I want Amex to issue me XXXX ( five ) certificates as advertised
Consumer complaint received 2024-04-08
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. (MN)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must DELETE the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recognize 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 2024-02-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC (FL)

They have apparently been sending emails to my husband. I went through a bankruptcy back in 2019 and XXXX was apart of it. I have not opened an account nor approved an account with them since.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Credit bureaus is reporting an account ( XXXX XXXX ) that was not opened by me or authorized by me. It is a fraudulent account. I submitted police report and ftc report. Company refuses to remove or block incorrect information.