davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ I lost my wallet in XXXX  and my identity was being used, in the process of making a purchase, I was notified of fraudulent accounts opened and addresses using my my Identity such as my name, birthdate, and social security number. Listed below are the accounts opened fraudulently and addresses illegally used.
Consumer complaint received 2023-12-14
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. (NC)

XXXX did a proper investigation and deleted XXXX XXXX XXXX XXXX loans and corrected my payment history on XXXX accounts that i was never late on ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have attempted to resolve these issues with the credit bureaus and these still remain on my profile. No proof or original contract was provided. Please check with XXXX and correct these on my profile.
Consumer complaint received 2024-02-14
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (PA)

I have both an Ulta XXXX XXXX card. They are owned by the same credit card company, Comenity Bank. I have paid both balances off in full, and then received billing statements for overdue fees totally XXXX XXXX I called the credit card company explaining that the cards have been paid off in full and asked them why they are charging me all of these fees. They explained that there were several dollars in interest after the card was paid off that accrued on both cards. I was not aware of these charges and the fees kept compounding. I called to ask them to remove the fees and they said they would. I just received another bill in the mail. They still continue to send me bills for fees totaling XXXX, which I never charged. These are predatory practices and need to stop!
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

i sent transunion and XXXX letters on XXXX, disputing the inaccurate and incomplete tradelines they are reporting on my consumer report. Per 15 USC 1681e ( b ) states that all information has to be 100 % accurate and complete before reporting on a consumer report. they are in violation of the FCRA and the information should be deleted immediately. 
XXXX XXXX XXXX is giving out inaccurate data and the account should be deleted as well. 

please see attached
Consumer complaint received 2024-04-25
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. (CT)

UPDATE TO CLAIM # XXXX TRANSUNION YOU HAVE COMMTTED WILLFULL DECEPTION AGAINST ME. YOU WERE PLACED ON NOTICE OF YOIR WILLFULL VIOLATION OF CONGRESS LAW 15 USC 1681a ( 2 ) WHERE CONGRESS STATES NO TRANSACTIONAL INFORMATION BELONGS ON A CONSUMER CREDIT REPORT. THE ACCOUNTS LISTED ARE IN FACT TRANSACRIONAL. YOU CLAIM YOU VERIFIED THE INFORMATION BUT I DID NOT REQUEST A VERIFICATION. BUT SINCE YOU CLAIMED VERIFIED I DEMAND THE ACTIONS AND STEPA ACXORDING TO 15 USC 1681i YOU HAVE TAKEN TO VERIFY THIS INFORMATION SHOWING WHO YOU LERSONALY INTERVIEWD AND THEIR NAMES. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT AS ALLOTTED ON MY PREVIOUS COMPLAINT YOU HAVE VIOLATED ME AND I GAVE YOU AN OPPORTUNITY TO REMOVE THE EXCLUDED INFORMATION THAT DOES NOT BELONG ON A REPORT OR PAY TO ME BY CASHIERS CHECK IN THE AMOUNT ALLOTTED ON MY PREVIOUSL COMPLAINT AND YOU HAVE WILLFULLY NEGLECTED A RESOLUTION AND HAVE COMMITTED DECPTION. YOU HAVE VIOLATED YOUR FIDUCIARY DUTIES AGAISNT ME AND HAVE CAUSE DAMAGES TO ME. IF YOU DO NOT PERFORM HONORABLY A FORMAL COMPLAINT WILL BE FILED THE SECURITY EXCHANGE COMMISION AND THE INTERNAL REVENUE SERVICE WILL BE NOTIFIED VIA A 3949a AND 211 FORM OF YOUR REPORTING OF INCOME ON MY REPORT FOR DISCHARGWD DEBT IS CONSIDERED INCOME.
Consumer complaint received 2024-04-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want this remove from my credit file this is illegal by this being reported and its not mines 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Consumer complaint received 2023-07-20
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: Meridian Financial Services, Inc. (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-10-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP (HI)

Paid off my XXXX XXXX XXXX in XXXX of XXXX. Was told my title was mailed out to me within the next 15 business days. Never received my title. Continued to call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX every week for 7 months straight. Have been told it was getting resolved by a new title being issued and mailed out. Still never received title as of XXXX XXXX.
Consumer complaint received 2024-04-25
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)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This CFPB complaint has been submitted to request, in accordance with FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ), that you, the Equifax credit reporting agency , block information on my consumer credit report that stems from identity theft and fraud within four business days of receiving this complaint. I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. The fraudulent, inaccurate, and false information includes XXXXXXXX XXXX XXXXXXXX : XXXX bal. {$17000.00}. This account has led to numerous hard inquiries and fraudulent collections on my FICO credit report. This is a fraudulent account you are maintaining that appear on my report. I do not recognize this account. It was not opened, created, or initiated by me, and all are the direct result of identity theft and fraud, violating consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 605B, you are required to block this information from my credit report. Attached is a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are unequivocally tied to identity theft and fraud. I expect immediate action in accordance with consumer protection laws.
Consumer complaint received 2024-10-22
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)

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Consumer complaint received 2024-04-25
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)

I've always made sure that payments on this account are made on time, never allowing them to become overdue. I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Consumer complaint received 2024-04-25
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. (TN)

My wallet was stolen a while ago and it contained all of my personal information which included my identification card and social security card. My credit has been misused so much and I have filed countless disputes which lead to nothing being resolved. Eventually I was forced to file Bankruptcy thinking it would come off my credit. Now I have a Bankruptcy to add to the fraudulent accounts on my credit. I even filed a claim with XXXX when my information was breached. My end result with that was nothing as well. I just want these fraudulent account deleted off of my credit. This is effecting myself so harshly. There is XXXX accounts from the same exact company. I've contacted them and filed a dispute with bureaus countless of times.
Consumer complaint received 2024-04-25
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. (TX)

As a victim of identity theft, I have taken the necessary steps to protect my credit and financial information. Pursuant to 15 U.S.C. 1681c-2, I have submitted an identity theft report to the credit reporting agencies and requested that all fraudulent information and credit inquiries resulting from the identity theft be blocked from my consumer report. 
The Fair Credit Reporting Act prohibits credit reporting agencies from furnishing any information in my file that I have identified as resulting from identity theft. 
I am entitled to have this information removed, as it was obtained through unlawful means and does not accurately reflect my creditworthiness. The credit reporting agencies must comply with my request and ensure that my consumer report is free of any fraudulent activity stemming from the identity theft incident. 

My only address is : XXXX XXXX XXXX
Consumer complaint received 2024-04-25
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. (PA)

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported in terms of reporting, amounts, and dates.
Consumer complaint received 2023-07-06
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-17
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. (GA)

I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, I suggest you contact me or the customer service representative of the said accounts. 
Accounts payment history is reflected as late payment on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
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: EQUIFAX, INC. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (GA)

Sent a debt validation letter to XXXXXXXX XXXX for account # XXXX my report states that I owe a debt of {$220000.00}. I have no knowledge of this account and it needs to be removed
Consumer complaint received 2024-04-25
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. (FL)

I 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, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX 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 if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX 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 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 there was a XXXX charge made on XXXX followed by a XXXX charge. During that time I contacted Bank of America XXXX months in a row, the first month I was told the amount would be investigated and refunded within XXXX  days unless I heard otherwise. Bank of America informed me when I called back the following month that the investigation never took place and then I would have to refile the dispute, this is now XXXX  Days Later which is past their XXXX timeline that I was informed of on a recorded line indicating that I would be refunded in full unless informed otherwise, but due to their persistence that they did not plan to help me unless I otherwise filed a new complaint I proceeded to do so, they rejected that complaint promptly and failed to refund the total charges resulting in them assisting in unauthorized use which is a federal crime punishable by Hefty civil penalties for non-compliance. Additionally due to this refund never coming back to my account my bank account has had thousands of dollars in late fees and negative balances as I no longer have confidence in this bank 's ability to maintain compliance in a way that makes me feel comfortable using their services. I've followed up month over month resulting in no further help from their team and they insist they are not willing to help in any other way. In addition to further fees there willful non-compliance resulted in my eviction from my primary residence costing me and my family mental and financial distress since this occurred. I still have an outstanding balance from my primary residence that I was evicted of of {$16000.00} due to Bank of America 's aparent commitment to aiding fraud. at his point I hate the Bank as well as the entire United States banking system as a whole. What I am demanding at this time is to refund all of the late fees that have resulted since the initial transaction on XXXX XXXX  and refund both the {$4300.00} and {$13000.00} payment with interest and keep my account open. If you choose to do anything other than this I will have no choice but to file a civil Federal lawsuit for the damages of fraud, racketeering, willful non-compliance, obstruction of justice, breach of fiduciary duty and all of the associated Federal Reserve act civil penalties in addition to my legal fees, and demand for compensation in relocating. save us both our time by reimbursing the above charges and all late and negative account fees to avoid further action in federal court and additional claims through the FDIC and SEC.
Consumer complaint received 2024-04-25
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. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lender
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am writing to dispute inaccurate information present on my credit report. Upon reviewing my credit report, I have noticed that there is inaccurate late payment reporting on my credit report. It is imperative that this error is rectified as soon as possible, as it is adversely affecting my credit score and may have repercussions on my financial standing.