davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-06
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. (OH)

I, XXXX XXXX, am a victim of identity theft. I was not aware of the following credit transactions on my credit report, nor did I provide consent for my personal and private information to be shared with any third party. The following information should be removed immediately. 

Names : XXXX XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX Accounts : Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of the above mentioned credit transactions between the listed companies/creditors and ANY third party. As I did NOT authorize these credit transactions and would like them to be deleted and blocked from my consumer/credit report immediately.
Consumer complaint received 2023-02-15
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: EQUIFAX, INC. (PA)

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 number : XXXX Account name : XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiri

es 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 2024-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2023-12-26
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to formally dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$710000.00}. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I want to bring to your notice that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau.
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

Edfinancial services " lost '' my XXXX payment during their internal platform transfer. After providing documentation they finally credited my account with the payment. When the account was credited the applied the entire payment to 3 of my 8 loans. This not only caused me to retain a delinquent balance but they also applied the payment to 3 accounts with lower interest rates. When interest resumes in 4 weeks this will cause me to pay higher amounts of interest them as compared to if the payment had been structured correctly. They refuse to escalate my call beyond customer service, will not give me a timeline for this to be corrected, and have stated that receiving a audit/paper trail will take minimum 33 business days. In addition, they will not correct my account to non delinquent meaning that I have to reallocate upcoming payments to fix this, which if they someday process the request to correctly allocate the original loan will cause even more headache.
Consumer complaint received 2023-12-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are due to identity theft. I demand that these accounts be removed immediately. The questionable accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite my repeated attempts to resolve this issue directly with the creditors and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that there is not enough proof to show that these debts are invalid, and I demand that they be removed from my report immediately. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX  XXXX card continues to furnish illegal inaccurate late payments on my Credit Report. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX are inviolation of FCRA of late payments being invalid on open end credit accounts I have also included screenshots of my payments made XX/XX/XXXX & XX/XX/XXXX. 
My backpack and cards were stolen on XX/XX/XXXX which prevented contact for work and my deposits. Account was closed and switched.
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. (FL)

I have a letter in writing stating I have no further financial obligation to XXXX XXXX  on two Accounts please remove from my credit report my XXXX just passed away
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. (KY)

XXXX has been sharing my personal information with the credit reporting agency who are unaffiliated 3rd party without providing me with the required disclosures. They have also refused to respond to any of my correspondences. Also the account they are illegally reporting is in charged off status, as you know accordingly with the IRS a charge off status is income. Income can not be report on a consumer report. On my consumer report, XXXX is reporting my personal information which is illegal under the Privacy Act of 1974. Pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, XXXX  is illegally reporting my information to unaffiliated 3rd parties.. I have checked all documents they gave me and none of these documents contained any of the required disclosures. Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization that I as the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc 6802.
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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TX)

Fortiva credit card is reporting incorrect information on my credit report, after paying the out in full the company place 8 late payment with 2 credir bureas and 2 late payment with the other, this is a inaccurate information reporting on my credit report
Consumer complaint received 2024-04-22
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. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-04
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit bureau has not removed fraudulent information indicated from my credit report. They have received all necessary documentation. It is illegal for them to leave fraudulent information on my credit report while they claim to investigate. 
I have alerted the credit bureau that I am a victim of identity theft. They have failed to delete the accounts that are fraudulent. I have sent them ALL requested documentation and proof of identity. There are accounts that have been closed with the creditors that are also still reporting. I will include them below. 
XXXX XXXX XXXX -account XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX they are also reporting late payments on an account - XXXX  XXXX XXXX - said account has been paid IN FULL every month.
Consumer complaint received 2024-04-22
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. (GA)

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 XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: 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)

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. 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. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

It's been 7 years after the date of first date of collection XX/XX/2017 and therefore, XXXX XXXX XXXX XXXX  accounts XXXX XXXX XXXX  should not be on my TransUnion XXXX Report anymore. 

These accounts are invalid unauthorized fraudulent identity theft reporting. 

By the provisions of the fair credit reporting act, I Demand that these items be immediately removed and permanently blocked from my records. Congress mandates a 7 year limit for these negative closed collection items. As well as my rights to fair reporting and Privacy laws
Consumer complaint received 2023-12-28
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ClearOne Advantage, LLC (MA)

Clearone advantage the debt settlement company moved money from the savings account provided by itself for debt settlement purposes, claimed debts have become settled while speaking to the settlement agent and also before the five year period ended this program moved all money saved for settlement purposes into a fee scale to cover the fees for other obligations of credit card debt settlements until the bank savings became a XXXX balance from upwards of XXXX or XXXX dollars. The money is transferred to use for fees only still applied by this company and paid no debt only spotted in on a settlement company contract and continued to try and maintain the customer relationship for a longer period and even refer to other debt settlement companies. This arrangement is caused legal liability lawsuits and bankruptcy that would not have been possible or necessary if never turned to this type of financial service. They may take a vote and do a lump sum court trial hearing to settlement and then pay the tax credit balance to be considered successful business yet it is not my opinion that it is a good option for the average working hardship person in credit card usage
Consumer complaint received 2024-04-22
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. (GA)

i have been recently trying to dispute collections XXXX as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the rest of the negative balances, i firmly believe that i am an victim of identity theft and would need futher help. i requested for XXXX, XXXX or transunion to remove because it wasnt my authorization and also i never had a contracts with the collections or gave pro-mission at any time .. and that it is a violation and against the law.
Consumer complaint received 2024-04-22
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. (NC)

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 XXXX XXXX XXXX. 

has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

Acct # XXXX XXXX XXXX  XXXX  Acct # XXXX. XXXX XXXX  Acct # XXXX capital one Acct # XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

Chase dispute department refunded my account XXXX dollars from a auto insurance company that took it out of my account then they reversed the refund saying that I authorize the transaction which I explained that the certainly auto insurance company only does insurance payments through your bank account only I open a policy in XXXX but the policy got cancelled bye someone that got into my account and the employee at the insurance company didn't ask the security question I provided so they cancelled my policy the only way to contact the company is through text messages or email only. They with not reinstate policy after telling them it was not me who cancelled they took XXXX dollars from my account which I sent them a email saying that I didn't not authorize no money to be withdrawn from my account and they don't have permission I contacted Chase Bank and told them and filed a claim which the refunded but then reversed it saying it was authorized try several times that yes it was authorized when I started my policy but I also sent a email to chase under the claim upload documents that said that certainly auto insurance company does not have authorization to take out any money. Chase reverse the claim for the second time after sending the email about not having permission I have try to talk to dispute department but they are not understanding or not listening I live on a fixed XXXX income and every bit of my money goes to pay bills now with the money they again took out I'm not going to be able to pay one of my bills they keep saying it was authorized but no the XXXX was not authorized only the down payment of XXXX in XX/XX/XXXX was authorized then my account got hacked and my policy got cancelled because the person on the text messages did not ask for the security question and just cancelled my policy when I went to open a new policy they charge me XXXX which included the XXXX dollars and the down payment I sent all the information to chase but they still keep saying I authorized it not listening that only the down payment on XX/XX/XXXX was authorized
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MN)

got a letter from i. c. system inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX saying I owed XXXX XXXX  {$9500.00} checked with XXXX  about this by phone and they said that the letter was a fraud and should be reported to the police to get a case # and then send that to XXXX. I call XXXX they said they don't take complaint numbers unless money is lost. Since I paid nothing they referred me to you to get a report number to send to XXXX from the FTC.
Consumer complaint received 2023-12-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I was contacted out of the blue regarding an alleged debt of {$13000.00} that I supposedly owed on an account with Bank of America that I never opened nor had received any correspondence in regard to. 
I had numerous calls from their representatives and explained to each of them that I hadnt any account with them. This went on for over a year on and off and my credit score was destroyed as a result. 
I recently received a summons from the XXXX XXXX XXXX that I was being sued by BOA for a debt I never incurred. In addition, the address they are using is in Rhode Island. I live in XXXX Ohio and have for over XXXX years. I responded to the summons last week and will be in court when instructed but I know there is no evidence against me because I never applied for anything from BOA and they refused to send me anything that indicates I did. I am in the process of retaining an attorney to sue BOA for all the grief they have caused as well as the damage to my credit rating and reputation.