davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-25
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. (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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-23
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

This is in response to CFPB Complaint No. XXXX 

The information you provided in your response is outdated. Per the prior compliant, XXXX XXXX has acknowledged there was a billing error and that no debt is owed. 

If you contact them today, their records would show that they are not expecting any amount owned by XXXX XXXX XXXX XXXX  but instead that they owe us money. I have reattached the email correspondence confirming that we do not owe the debt amount you have in your records. 

If you review the email correspondence you will see the following : XXXX XXXX paid a {$300.00} security deposit around XX/XX/2019 XXXX XXXX  paid an additional {$300.00} pet security deposit in XX/XX/2019. 
XXXX XXXX XXXXncorrectly only credited the pet security deposit. 
- XXXX corrected their records and stated they owned the XXXX and that a check was in the mail. 

Please contact XXXX XXXX and correct this error.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-12-21
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. (FL)

I had a dormant checking account in which someone deposited a small check a year after I had moved to a different state. 

No one from XXXX  called me and i had no idea there as a check processed with insufficient funds. 
After I noticed a personal loan write off from XXXX on my credit card, I paid immediately the {$87.00} fees and requested they remove the erroneous record from the credit bureaus. 
They did not. I called and emailed several times and XXXX has illegally updated my credit profile which I did never had a personal loan with XXXX 

I opened disputes on all three credit bureaus to no avail. 

They are damaging my ability to secure auto financing, credit cards and personal loans by leaving a fraudulent and erroneous record on my credit profile. 
Please help.
Consumer complaint received 2023-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. Use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you. Please correct urgently and without delay.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This individual follows me quite a bit and is a cyber bully. I recently received information that he is contact with an employer of two years who put me on a " don't hire '' list. This has impacted my credit history.
Consumer complaint received 2023-12-26
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. (TX)

I trust this letter finds you well. I am writing to express my deep concern and dissatisfaction with the persistent difficulties I have faced in attempting to correct a late open account issue on my credit report through Credit Bureaus. Despite numerous attempts, the issue remains unresolved, causing undue stress and negatively impacting my financial standing.

The continued presence of the late open account on my credit report is not only inaccurate but also adversely affects my creditworthiness. I have attached supporting documentation for each attempt made to rectify this situation, underscoring the urgency and significance of the matter.

I request your immediate attention to the following actions : Conduct a thorough review and correction of the late open account entry on my credit report.

Provide written confirmation once the correction has been successfully made.

I understand the importance of accurate credit reporting and its direct impact on my financial well-being. Therefore, I expect a prompt and diligent investigation into this matter.

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7800.00}.
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX my auto loan provider titled XXXX XXXX XXXX charged me twice for my car payment they were not supposed to cash the check sent because I sent them an automated payment on XX/XX/XXXX. I spoke with a representative from the claims department on XX/XX/XXXX to try and stop the check from going through however it was too late and they instructed me to contact my auto loan provider to seek out a reimbursement. Through much tribulation I received a reimbursement thanks to your company. I called back twice on XX/XX/XXXX at XXXX and also at XXXX to talk about the overdraft fees and they told me once the reimbursement came then they would wave the fees due to the double payment. I then received the check from XXXX XXXX XXXX and deposited it. I called Chase bank to once again talk about the over draft fees at XXXX. The representative reassured me that once the check had cleared they would take care of the overdraft fees automatically and it would take 24 to 48 hours for the credit to post. I then checked my account today and still no credit was given so I again called to see what was going on at XXXX I spoke with a claims representative and this time she said they could not take care of the fees. I asked her why I had been informed 3 times before they would be taken care of and now they are unable to process the refund. I am a single mother going to school and can not afford to pay for these companies mistakes. I would have asked the company to reimburse the fees if I knew my bank would not have. I would like to know why 3 times I was reassured they would be taken care of and now they are not.
Consumer complaint received 2023-09-23
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I sent a letter to challenge some items on my credit report due to noticing that some things were incorrect. Per the FCRA I asked for the items to be deleted from my report because they were inaccurate. I allowed time for a response from the bureau and to my surprise, I did not receive a response. When I pulled my report again, I noticed that there were no changes made. I sent letters again monthly requesting an explanation and a complete investigation to be completed on these accounts and I was completely ignored. There were no notations added to my profile and the accounts state " not disputed ''. I demand that each dispute is re-opened, reinvestigated and deleted due to inaccuracies. I want complete copies of every action taken to resolve this matter.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Astonishingly, other credit bureaus have acknowledged the fraudulent nature of the account and have promptly removed it from my credit report. However, your bureau persists in reporting this false information, which is severely impacting my credit score and financial well-being. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite repeated attempts to rectify this situation, I continue to encounter challenges, and I urgently seek your assistance in resolving these issues. 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Given that other credit bureaus have successfully identified and corrected this issue, I am deeply concerned about the reliability of your bureau 's systems and the apparent failure to rectify this matter promptly. It is imperative that you take immediate action to investigate and correct this discrepancy, as the continued reporting of the fraudulent account is not only damaging but also suggests a significant lapse in your bureau 's accuracy and efficiency.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/2024 Dear Sir/Madam, I am writing to dispute an error on my credit report. According to the report from [ TransUnionXXXX  ] XXXX there is a 30-day late payment listed on my account with XXXX XXXX XXXX XXXX. However, I would like to bring to your attention that this information is inaccurate. 

On XX/XX/2024 I made a payment to my XXXX XXXX XXXX account # XXXX, and I have documentation to support this payment. I have attached a copy of the letter from XXXX XXXX XXXX XXXX confirming the error and stating that they have removed the 30-day late payment from my account. Accordingly, due to consumer 1681i. Procedure in case of disputed accuracy 1681e - Compliance procedures 1692g ( b ) Disputed debts - Validation of debts Instruction : Please remove inaccurate late payment. Account as paid on time. 

I request that you investigate this matter and correct the inaccurate information on my credit report as soon as possible. Please provide me with written confirmation once the investigation is complete and the error has been rectified. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (WA)

I received a call from the debt collector ( IQ Data ) on XX/XX/23. They advised I owed {$370.00} for the XXXX XXXX XXXXXXXX XXXX apartment complex. I informed them the debt amount was false and the bill in question was paid for nearly a year prior. I was informed by the apartment I owed {$31.00} at move out and paid that amount via check. I even had further communication with the apartment complex where they in writing told me I owed nothing. I also reached out to the apartment complex after receiving the call from the debt collector and the apartment complex told me in writing it was a mistake and I did not owe the money. The debt collector asked that I send the proof to them via email and they'd take care of it. I have since sent follow up emails and called them to see if the items were received and they either don't respond or tell me the person who could tell me isn't available.
Consumer complaint received 2023-12-26
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)

I noticed that all three reporting credit bureaus are not reporting accurate information. I believe that I could potentially be a victim of identity theft because there are many inquiries being reported that I have no knowledge of. There are also accounts I have removed from one bureau but others are still reporting.
Consumer complaint received 2019-01-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (FL)

My American Express Bluebird card account was stolen and all the money in my account was used to make purchases. I reported this to American Express, and submitted the Declaration of Fraud, and called them, and they refuse to recognize that my account was stolen..
Consumer complaint received 2023-12-26
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 hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the persistent challenges I have faced in attempting to rectify a charge-off account listed on my credit report through Credit Bureaus XXXX Despite numerous attempts to address this matter, the charge-off entry remains, causing significant distress and negatively impacting my financial standing. 

The presence of the charge-off on my credit report is both inaccurate and unjustified. I have attached supporting documentation for each attempt made to rectify this situation, demonstrating my commitment to resolving this matter promptly. 

I request your immediate attention to the following matters : A thorough review and correction of the charge-off entry on my credit report. 

Confirmation, in writing, once the charge-off has been successfully removed. 

I understand the importance of accurate credit reporting and its direct impact on my ability to access financial services and favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Consumer complaint received 2023-12-26
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-26
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. (CA)

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 2023-12-26
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)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Auburn XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Compliance XXXX Michigan XXXX Bankruptcy XXXX XXXX XXXX XX/XX/XXXX Dear : Sir/Maam : It was only a few months ago when I contacted your firm with a formal dispute under the FCRA XXXX ( a ) ( XXXX ). In addition, I sent a formal written inquiry to the clerk of the XXXX of XXXX for this erroneous Bankruptcy record that your firm is reporting. I received back that INQUIRY, it is CLEAR that the COURT DOES NOT verify or validate any information to your reporting agency. In addition the Clerk 's office noted that neither Personal Identifiers nor XXXX compliance standards were available for reporting or verification purposes, therefore the Bankruptcy record you are reporting violates the stipulated guidance provided to your firm by the Consumer Financial Protection Bureau XXXX 

After reviewing my reports, I noticed that each bureaus report has conflicting data on it. Most of the information being reported has not been verified unlike the bureaus assured us that it was. 

No matter how a third party information broker has collected this information it must contain the complete personal identifiers and be XXXX compliant, in this case the record is CLERALY not COMPLIANT and it is UNVERIFIABLE and CAN NOT be reported. Tort law is quite clear in this matter! You have 5 days to DELETE the ITEM and provide me with written verification of that DELETION for my records. If you choose not to, I will have no choice but commence the unpleasantness of a tort action against your firm for violation of the FCRA. 



Very Respectfully, XXXX XXXX XXXX The Privacy Act of XXXX, as amended, XXXX XXXX. XXXX, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. 


The Privacy Act requires that agencies give the public notice of their systems of records by publication in the XXXX XXXX. Click here to see a list of DOJ systems of records and their XXXX XXXX citations. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to XXXX of XXXX statutory exceptions. The XXXX also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.