davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-15
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. (AR)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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 2024-05-15
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Consumer complaint received 2023-07-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (NJ)

Westlake financial services is committing securities fraud with my security. I also received a 1099C and 1099A from them canceling the debt yet they are still charging me, and when I tried contacting them about this no one seems to know anything about what I'm asking and then they will hung up on me. I need my account to be XXXX OUT! AS THE DEBT HAS BEEN CANCELED AND MY TITLE SENT TO ME. I WILL GIVE YOU ALL 10 DAYS TO FIX THIS OR I WILL GO TO COURT FOR SECURITIES FRAUD.
Consumer complaint received 2024-05-15
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)

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, XXXX and Transunion. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX, Date of Account XX/XX/2017, XXXX, I would like to receive the PROMISSORY NOTE connected to my line of credit in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Consumer complaint received 2024-05-15
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)

XXXX XXXX XXXX transaction history reported on my credit report for XXXX and XX/XX/XXXX. Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per 15 USC 6802. THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law.
Consumer complaint received 2024-05-15
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. (NV)

My loans were part of XXXXXXXX XXXX XXXXXXXX. Ive provided legal documentation several times indicating the trade line needs to be removed completely per the settlement agreement, theyre refusing to do so, my score dropped XXXX points since my loans got discharged.
Consumer complaint received 2024-09-06
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. (IL)

I am reporting ongoing issues with fraudulent and inaccurate information on my credit report. Items are being reinserted without proper notification, violating FCRA 611 ( a ) ( 5 ) ( B ), which requires notification within a specific timeframe.

These inaccuracies are adversely affecting my ability to secure a mortgage for my family. I request immediate assistance in correcting these errors and ensuring compliance with FCRA regulations. 

Thank you for your attention.
Consumer complaint received 2024-01-15
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)

These accounts have been disputed previously and has been reported as " accurate '' and " verified '' to me by the reporting agencies yet the accounts report varying information between the reporting agencies. These reporting agencies have not properly investigated my disputes and continue to report incorrect and invalid data. This is a violation of Fair Credit Reporting Act. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly XXXX compel me to take further legal action to protect my rights and seek compensation under the FCRA. Any account showing inaccuracy must be removed. All information from Report as of XX/XX/2024.
Consumer complaint received 2024-08-28
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. (AZ)

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}
Consumer complaint received 2024-05-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-08-31
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. (NY)

XXXX, Transunion and XXXX are violating my rights in numerus ways reporting inaccurate information on my reports month after month and I want this corrected. Here is the list of their violations that they fail to correct : - Reporting as a charge off month after month, purposely re aging the account which is a direct violation of the Fair Credit Reporting Act. Accounts can report this the first time only, as each time they re-report it starts the reaging process, which is a violation - Reporting a balance on a charge off they do NOT own, which is a violation of the Fair Credit Reporting act. 
- Reporting a credit line on a charge off, which is false, as the account was sold. 
- Each company I have disputed is not reporting or indicating when and if this account was sold, purposely misrepresenting the status. 
- Balance calculations are not being validated properly
Consumer complaint received 2023-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

In XX/XX/2023 I contacted Capital one, requested information about travel benefits. I was advised that I was eligible for the TSA-check benefit for me my spouse and my children as long as I use my quicksilver card. I booked my travel through Capital One and I did my TS pre-check and use my Capital One quicksilver card as instructed. When I received my statement I noticed I did not get credit for the TSA charges contacted customer service they told me they were sorry but my card was not eligible for this benefit. I asked three times to speak to a supervisor for my call to be reviewed and for capital one to honor the information I was given by one of their employees in XXXX. I was advised that was not possible and neither was a credit therefore I am contacting CFPB because I believe Ive been giving wrong information and capital one will not correct their error Ive been a long time customer and Ive never had a problem with Capital One until this incident thank you.
Consumer complaint received 2023-05-10
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: Experian Information Solutions Inc. (IL)

Ive made previous complaints with you about this world acceptance account reporting on my credit report. You guys couldnt have been following the procedures of following up with the furnisher because I asked world finance directly and they have sent me a letter which Im attaching to this complaint stating that they did NOT chargeoff this account!! They said they sold the account and no longer have any information on the account. So If they dont have any information on the account and didnt charge the said account off that means that you guys are reporting this account inaccurately and are violationg 15 USC 1681e ( b ). 
XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Consumer complaint received 2024-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

On XX/XX/XXXX, I was notified by my bank ( USAA ) messaging, and also by email, that a person, who is of no relation to me, was able to add himself/ his information to my bank account. 

The notification read " you were recently added to the personal profile of XXXX XXXX. If you have questions, please call ( us ) '' When I accessed my account, however, I found that this person was listed as a child of mine, listed along with my actual son, and my wife. There was no " confirm '' option, nor was I ever given an opportunity to confirm this change to my account. 

I called USAA today and explained the situation, they did some work behind the scene and the name was removed from my account, however they were not able to provide an explanation as to how this persons information made its " way onto my account in the first place, given that I did not authorize it. 

The persons name is no longer on my account, and the rep with whom I spoke indicated that she was surprised that it was removed so fast and surmised that " the system must have corrected itself '' ... I shared my concern with a coincidence of this convenience, given that I called in and then, suddenly, the name is removed from my account.
Consumer complaint received 2024-05-15
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. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2019-03-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC (UT)

in XX/XX/XXXX I received notice to appear in court which I did. I disputed the debt at that time. The lawyer stated he would get proof and I didn't need to stay there. ( nameof the collection agency at the time was XXXX, XXXX XXXX XXXX which is now only XXXX XXXX XXXX ) shortly after I received a judgement notice. I have disputed this numerous times over the years. XXXX XXXX XXXX have sent letters to an address in which they Know I did not reside. I lived at XXXX XXXX XXXX XXXX in XXXX. they were sending letters to XXXX XXXX  in XXXX. I have never resided on east place. in XXXX court hearing they requested mediation then failed to show up stating they didn't need mediation as they had a judgement. they have never been able to prove this debt yet now have a wage garnishment. sa {$1000.00} alledged debt has risen the {$2000.00} with additional court fees. they were advised that I owed child support and owuld through XX/XX/XXXX yet continued to take me to court regularly to add on additional unnecessary fees. this is a predatory collection agency that violates the laws hoping the debtors don't understand them. Current name is XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, UT XXXX ( XXXX ) XXXX the name on the collections is XXXX XXXX . I legally added a name to my birth record in XX/XX/XXXXwhich became XXXX as that is the first documented name. I think once a debtor refutes a debt and asks for proof the company should be required by law to provide that proof and maintain it through final collection of said debt. to this day they can not provide a signed document showing I purchased anything.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I contacted the credit bureaus about inaccuracies on my credit report, but my letters have been ignored. Instead, I've been receiving responses accusing me of using a third party. I have attached my ID and the relevant letters for your review
Consumer complaint received 2024-08-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC (TX)

I have reviewed my credit file and find inaccuracies on this account. The school loan was from XXXX XXXX. The amount showing on my credit file is {$110000.00}. XXXX was taken to court and they lost. I received a letter from Peaks XXXX XXXX and was serviced from Vervent Ins. The letter states that Pursuant to a settlement with thr Bureau of Consumer Financial Protection and several State Attorneys General Peaks has agreed to discontinue collection and enforcement of the entire outstanding balance of all such outstanding loans effective XX/XX/2020. This notice was to inform me that I was no longer obligated to make any payments on my Peak Loan.
Consumer complaint received 2024-05-15
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

FCRA 605B mandates the removal of any erroneous accounts from my credit report. There is an inaccuracy in my credit file ; kindly eliminate it. Compensation of {$1000.00} per incorrect reporting is expected.
Consumer complaint received 2024-05-15
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, XXXX XXXX XXXX ( account number XXXX ) has violated my rights. 

15 U.S.C. 1681 section 602 A states I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Good Evening, I have a vehicle that i had financed through XXXX XXXX XXXX XXXX. In XX/XX/XXXX Hurricane Sandy had hit and left a devastating impact on my home and finances. In XX/XX/XXXX i lost my income and struggling to pay for my vehicle. At this time I had paid off my vehicle and received a letter from XXXX XXXX stating it was paid in full. XXXX XXXX XXXX XXXX is reporting on my credit report inaccuracies and i would like them removed. Please feel free to contact me at any time. Thank you.
Consumer complaint received 2024-05-15
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.