davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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: P&B Capital Group, LLC (NC)

To whom it may concern, I recently obtained a copy of my credit report and you are currently reporting the debt to my credit report as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including fees associated. Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. You do not have any permissible purpose of furnishing my personal information to any third party.15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. Also, please be aware that as per my rights under the Fair Debt Collection Practices Act, I have a right to request full verification of this debt and to dispute it unless full verification is made. This offer is valid for 14 days from the date of receipt, after which it will be withdrawn and I will exercise my right to full verification.I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows. Validation of Debt and HIPPA Authorization -Please provide a breakdown of fees including any collection costs and medical charges -Provide a copy of my signature with the provider of service to release my medical information to you -Cease any credit bureau reporting until debt has been validated by me Please send this information to my mailing address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from your collection agency As a consumer, I am demanding the deletion of the following account : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Balance : {$1700.00}
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX, XXXX XXXX transferred the XXXX XXXX into their name as a repossession. However, prior to that XXXX XXXX accepted payment and returned the vehicle. Thereafter, XXXX XXXX refused to reissue a new title making the vehicle unable to be registered. No further payments were made and XXXX XXXX refused to pick up THEIR vehicle and it stayed on public storage until XX/XX/XXXX. When the property was sold ( location of vehicle ) the XXXX XXXX was notified and an abandoned vehicle report was filed. XXXX XXXX was noticed for auction and served twice and never expressed interest in the vehicle. Finally, the vehicle sold at auction in XXXXXXXX XXXX XXXXXXXX. However, XXXX XXXX continues, and for the last seven years, reports the vehicle 180 days late. Purposely, harming my credit.
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-10-10
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. (NE)

I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation. I've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.
Consumer complaint received 2023-07-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-01-01
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. (ND)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute any and all transaction on my account that XXXX has reported with Equifax, XXXX and XXXX, whom are all non affiliates with XXXX XXXX, in the terms and conditions provided by XXXX XXXXXXXX they stated they would not disclose my nonpublic personal information to non affiliate 's. There is multiple violations of my rights as a consumer. It is against the law to report transaction history, I never gave written authorization to report to the three credit reporting agencies, or to any other non affiliate. The account is in charge off status, a charge off is also known as a certificate of indebtedness and according to the I.R.S. Code a certificate of indebtedness is income and income must be removed from the report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) in accordance with the written instructions of the consumer to who it relates.

15 U.S. Code 6801 6805 Obligations with respect to disclosures of personal information- Authority comes from 16 CFR 313.1 - Purpose and scope.

( a ) Privacy obligation policy 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 ' nonpublic personal information.

nonpublic personal information Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer.

Per the Privacy Act of 1974, and the Fair credit reporting act, as a federally protected consumer, I have the right of opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal, Per 15 u.s.c. 6802
Consumer complaint received 2024-04-08
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. (FL)

I want these inquiries to be deleted because I did not authorize these companies to run my credit. I've attached my FTC report. According to the 15 U.S.C 1681 there should not be any damages on my report and its a defamation to my character
Consumer complaint received 2018-08-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (MO)

I was recently called by Santander after they had called a family member, and discussed my debt to her. The mediator for Santander stated that he would find me, and I had a debt from over eight years ago that they would try and collect. They said my account was started back in XX/XX/XXXX, and XX/XX/XXXX. I have not paid anything to them, which would restart my account. I told them the debt is eight years old, he fought with me about the money owed, and I would be sued for the balance and lawyer fees.

I did notice that Santander did check my credit report twice, which I do have screen shots of the dates, and has watched my account. The mediator stated they would serve me papers of a lawsuit against me if I didn't pay, and that I was becoming angry with him. I did not yell, become mean, or say anything negative towards him.

The mediator did raise his voice, stating again, " I thought you would work with us, I will just look you up, and send papers to you for court. I tried to make this offer to you, but we will just serve you ''. I said, " That is fine, I did not become angry with you, I simply stated facts, and I will deal with this once you serve me ''.

This is a debt from XX/XX/XXXX. Yes, I wish I didn't have to go into debt, but life happens. You lose jobs, family dies, and you are forced to move. This has made my days since then stressful, and I am constantly thinking about the rude man I talked to. I have researched the statue of limitations for this, which are six years, and seen that this was the website to seek protection against collection agencies that have no grounds from there penny on the dollar debt buys. Below are four files, two talking with legal aid, and the other two from my credit report showing Santander monitoring me for years ( XX/XX/XXXX, XX/XX/XXXX ). Hard inquiry into my credit report.
Consumer complaint received 2018-08-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XXXX XXXX I posted a cheque for a XXXX Card in the amount of XXXX XXXX Dollars in the mail box at XXXX XXXX XXXX in XXXX N.Y ( cheque # XXXX ). On XX/XX/XXXX, I discovered an unauthorized withdrawal from my account in the amount of {$9800.00}. I contacted my bank, XXXX and they said " The cheque # XXXX in the amount of XXXX was deposited in The Bank of America. The cheque # XXXX was altered and was payable to one XXXX XXXX for a car purchase. It is three months now and XXXX can not recover my money. I would like to know how Bank of America can cash a forged cheque. I want my money back. 
I already sent you a complaint about XXXX. I need to know from Bank of America when I will get my money back. 
Why cant XXXX XXXX  and Bank of America N.A settle their dispute and refund me my money.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXXXXXX XXXX XXXX I found out that Transunion credit bureau has tangled my XXXX  sisters credit report with mine and I filed a dispute with them. Shortly after I received XXXX letters in the mail from XXXX acknowledging my dispute and denying that the information they reported is inaccurate. I called them and after escalating the case and speaking to multiple representatives someone there was able to see their error and that my sisters information is being filed on my report. I have since mailed them copies of my social security number and ID and letters demanding the false information be removed. I sent a similar letter to Transunion as well. Of the many calls I have made to Transunion I have come to find that every one of my requests were not followed through on. I have been asking for my credit report to be sent to me. I asked again on XX/XX/XXXXXXXX XXXX XXXX. And I asked again on this day- XX/XX/2024. After the last representative I spoke to told me that no one previously had sent my requests for a copy of my credit report I lack confidence that this one will either. She said in XXXX business days I should be contacted, but I have been told many things by these reps and I have not gotten any information back yet. Every time I call it seems like nobody knows anything. I had previously requested to be emailed, as well as mailed, my credit report from XXXX different reps as well and both agreed to do so and this last rep said she didnt know why they would agree to that as Transunion doesnt email credit reports. I dont understand why getting access to my own credit report is so difficult. I cant see it on their website because I cant verify my own person as they mixed my report with an entirely different person. I continue to dispute this and am finding their effort to be null. I have been told by Transunion representatives on multiple occasions that the things Ive asked them to do have not be done and they have no notes about my claims. It has been nearly 30 days since the beginning of my dispute. This error has already caused me problems. I have no documents from them because they continue to not mail me anything. There are XXXX credit cards showing up on my report and I only own XXXX. I cant dispute the XXXX cards that arent mine because I have no idea what they even are because I dont have a credit report to see because they havent sent one to me!
Consumer complaint received 2024-04-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.
Consumer complaint received 2023-03-13
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: CITIZENS FINANCIAL GROUP, INC. (NY)

in accordance with the fair credit reporting act, this creditor has violated my right. Under 15 U.S.C 1681 Section 602 states, i have the right to privacy.15.U.S.C 1681 section 604A section2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 16668B ''A creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose. Citizens Home One Loan, XX/XX/2022. XXXX
Consumer complaint received 2024-04-08
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. (MI)

I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize unequivocally that I did not give written authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am formally requesting that these accounts be blocked and expunged from my record. It is crucial to highlight that this request is not made in error, nor is it grounded in any misrepresentation of relevant facts concerning the request to block these transactions. 

This assertion is important because it underscores the fact that these transactions were included without my explicit consent or instruction. By emphasizing this point, I aim to convey the seriousness of my request and ensure that it is not overlooked or dismissed. Additionally, I want to clarify that my request is based on accurate and relevant information, and I am not attempting to manipulate or deceive in any way.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Without fail, I've maintained timely payments on this account, ensuring they never exceed the due date. The presence of late payment remarks on my accounts baffles me. It's important to note 15 USC 1666b - Billing Error for necessary corrections.
Consumer complaint received 2023-04-20
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 (NJ)

On XX/XX/XXXX I submitted a dispute via CFPB portal notifying LEXISNEXIS of the inaccurate information being furnished on my consumer report as a result of identity theft. On XX/XX/XXXX LEXISNEXIS responded stating the inaccurate items would be suppressed and the other information in my dispute was not currently on my consumer report. After reviewing my most recent consumer report on XXXX  it reflects all of the inaccurate information I disputed is currently being furnished on my consumer report. LEXISNEXIS has breached their fiduciary duties for failing to remove the inaccurate information resulting from Identity Theft. Again, I am NOT responsible for the listed account ( s ) as I have been a victim of identity theft. Ive already notified both my local Police Department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Pursuant to the F.C.R.A. 605 ( b ) / 15 U.S.C. 1681c-2 you are required to block and remove information identified as the result of identity theft from a consumer report no later than four ( 4 ) business days after receipt. I am instructing you to please delete the following fraudulent account ( s ) and inquiries from my consumer report immediately. Accounts : Reference Number : XXXX / XXXX XXXX XXXX XXXX / Account # : XXXX / Amount : {$8000.00} Reference Number : XXXX / XXXX XXXX XXXX XXXX XXXX Account # : XXXX / Amount : {$1000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there is also inaccurate personal information being furnished on my consumer report that must be removed immediately. Please delete the following inaccurate information listed below. Name ( s ) : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Address ( XXXX ) : XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ; XXXX XXXX NJ XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX CO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX Email address ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX Phone number ( XXXX ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; Education : Graduation - XXXX  ; Address - XXXX XXXXXXXX XXXX XXXX NJ XXXX
Consumer complaint received 2024-01-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Hello, My name is XXXX XXXX. I just turned XXXX on XX/XX/2023. I am XXXX and XXXX  XXXX. My mother is XXXX XXXX, and she is helping me write this message to you all. I was born on the day of XXXX XXXX, XXXX XXXX earlier than I should have. I have XXXX, an XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, and am XXXX  XXXX. The information on my credit report is incorrect ; I have never had any accounts in my name. I would like all information erased from my report and the correct information to be input. I would sincerely appreciate it if this could be done quickly, for it is not mine. Thank you for your time.
Consumer complaint received 2018-08-03
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 (MD)

I disputed an inquiry that was falsely made by Capital One Auto Finance. This credit inquiry was made on XX/XX/XXXX and XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Capital One Auto Finance to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.