davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-25
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. (CA)

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX Balance : XXXXXXXX XXXX XXXX Balance : XXXX XXXXXXXX Balance : XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX. XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

It has come to my attention that there are currently two incomplete accounts being reported by the consumer reporting agencies. I am not pleased with the effects that these current inaccurate accounts have had on the growth of my FICO score. These accounts, as it stands, are currently out of compliance with the Fair Credit Reporting Act. I am ensuring compliance regarding my request for a reinvestigation through the CFPB.
Consumer complaint received 2024-05-25
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. (NC)

I sent a letter to remove the items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2024-05-25
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)

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$0.00} 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 2024-07-16
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a recent experience I had with Bank of America while applying for their special credit card for teachers, as advertised on the XXXX website. 

I have an excellent credit score and filled out the online application confidently. However, I encountered several issues that raised concerns about potential discriminatory practices : Dual Citizenship Question : The application asked if I have dual citizenship, which seemed irrelevant since I had already confirmed my status as an American. This felt like an unnecessary and discriminatory query. 

Identity Verification Over the Phone : Upon calling to verify my application, the representative attempted to confirm my identity by calling my cellphone. Despite having my phone with me, the representative claimed the call went unanswered. He then informed me that my application was denied and I would receive a letter explaining the decision. It appears that my credit score was never checked, as confirmed by my credit report. 

Potential BiaXXXX : The only additional information the representative had was that I am a XXXX with a strong XXXX accent. Despite this, my application was denied, while an application for an XXXX XXXX credit card was approved within five minutes. 

These experiences suggest that the denial of my application may have been based on bias, rather than my creditworthiness. This has caused me significant XXXX and inconvenience, as I am now without the benefits that my colleagues enjoy. 

I believe it is important to address this issue to ensure fair treatment and prevent such discriminatory practices in the future. I kindly request that the CFPB investigate this matter and take appropriate action to address these concerns. 

Thank you for your attention and assistance. 

Best regards,
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-25
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. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$12000.00} XXXX XX/XX/year>
Consumer complaint received 2024-05-25
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. (MD)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score ( XXXX, Account Number XXXX ). In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Consumer complaint received 2024-05-25
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)

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following date ( XX/XX/2020 ) I'm now requesting you investigate this account and update this payment to paid on time immediately. Thank you for your understanding and prompt action. 

ACCOUNT NUMBERXXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report
Consumer complaint received 2024-05-25
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. (CA)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2023-08-08
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-05-25
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. (MI)

I discovered that some of the information in my credit report was incorrect when I looked into it. In accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), XXXX, XXXX and TransUnion must authenticate these accounts. ( A ). Treating these reporting accounts as unverified information without presenting evidence within the allotted legal time frame is unacceptable. Both 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) are mentioned. ( A ), kindly look at the following unverified accounts : XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2019-11-23
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: LEXISNEXIS (OH)

I need the following addresses removed deleted from my report. I have been compromised on my ID and personal information. I have to file a police report and FTC report. Please remove delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they : ( 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 2024-07-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Hello I would like to explain what is going on. The fact is that I have an equafax account. I go in and do the dispatch. But the dispute is that they dont remove this information for me : first name last name account addresses, its not mine. I ask them to remove it, just like I had bankruptcy. I told them that I have evidence that you should take this information. And in order to dispute this, they say, you need to upload documents, these are rights or a passport, but the dispute is handled by people not in XXXX. And outside the United States of America, this is XXXX XXXX, when I call they end up there, but with custom service I end up either in XXXX or in XXXX XXXX XXXX. I dont want to give them documents, because I think its wrong. I told them mine was gone. And he gave his first and last name and address. They don't want to clean it up. This is unnecessary information. I have no right to give photographs of her to XXXX XXXX and XXXX. They don't ask for documents. Without this, they make a drink without documents, but an equax. They say we need to upload documents. This is my spelling. I don't want to give it to them. I asked them questions about customization and service in the XXXX by phone. I say, can you give me your passport or send me your license? I want to look, But theres no talking, But I say, Why are you asking me? This is me saying, the United States of America has no such thing as giving away documents. This is illegal. You asked me for insurance. XXXX, I gave you a secret. In general, they dont remove my addresses, phone numbers and dont correct my first and last name. I have already written to them many times. I talked to them and they don't do anything. That's why I want to file a complaint against them. Please help me figure it out. Thank you in advance.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This complaint is againt transunion and XXXX who reported score differciattes from XXXX who gives me a XXXX while the bureau score a low XXXX high XXXX critically affecting my ability to secure a line of credit with lender. As a principal to me the agent the credit bureauhas not forfilled the obligation. I woyld like this investigated bases on baised held against Native Americans.
Consumer complaint received 2018-12-10
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: EQUIFAX, INC. (NY)

On XX/XX/2018 XXXX re-inserted previously deleted items from XXXX XXXX without 5 days motions of re-insertion. Ive sent them letters two times but they just ignored it. Also Equifax on XX/XX/2018 really-inserted items from XXXX XXXX without 5 days re-insertion notice. Sent them 2 letters - to remove it immediately- they just ignored it.
Consumer complaint received 2024-05-24
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : Account names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2018-08-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Kohn Law Firm S.C. (WI)

As described in complaint # XXXX, the provided information sent toa previous landlord had a letter head stating it was from a XXXX XXXX atty at law. This letter was asking for personal information about me to include addresses aand phone numbers. 
In a simple search, it was revealed that it was a post judgment collection agency.

According to FDCPA policy sub section 804 paragraph 5 any symbol, name, etc etc. leading to the disclosure it is an attempt to collect a debt to a third party is by definition, according to FDCPA sub section 813 paragraph 2, subject to {$1000.00} per incidence of said violation.

As a result of that letterhead my former landlord willno liner give me a reference for future rentals. 
I find it hard to believe that a simple response " of any kind '' is enough to close this dispute while I can no longer get into housing I served my country to have the ability to obtain as a citizen. 
I have the letter, the envelope, and even retained representation from a FDCPA protection company, XXXX. I would love to enclose the pictureof the proof, but if I can't figure out howto download it, just ask instead of " closing '' a real complaint. My number is still XXXX, aand you have my e- mail. On top of that, a real agency is taking interest, so the must be something there. Call them. 
Lastly, upon any reply from a company, if which the lawyer 's name is on, should probably have said lawyer working at. All i got was a listof possible agencies, and they all went back to the same people answering the phone. I don't know which agency to even call or to whom I'm talking to. I'm pretty sure I joined the XXXX to protect all Americans, not just big business that has an automated response. Again, i HAVE the letter and envelope and everything enclosed.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (CA)

Chase bank closed all my credit cards without warning. This will adversly impact my credit score as it lowers my total available by over {$10000.00} making my utilization ( which was already quite good ) go down. There was no warning, I never missed a payment, I always used the card on time. There has been no reason given to me just that they were closed without warning and that I would have to re apply ( taking another hard pull ) while they just gave me this card a week ago, which means I got a hard pull for nothing and have to wait 2 years for it to drop off.