davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-16
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. (AZ)

Hello my name is XXXX XXXX. I am a recent XXXX XXXX and have been recently looking for places to live in the next step of my life. There seems to be an incorrect eviction on my report that is holding me back from getting a house. 2 years ago I disputed and called all bureaus when I became aware of it. The athletic director from my university wrote a letter describing that I was a full XXXX XXXX. Meaning books and living are free so its mo way I could owe anything. It was athletic housing and I transfers mid semester to accept another full scholarship at XXXX  and another player took over the room.
Consumer complaint received 2024-04-01
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)

I've recently checked my credit report and noticed some inaccurate accounts reporting. 



XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX, XXXX TransUnion, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/24 To Whom it May Concern : Ive just reviewed my credit report and noticed there are several inaccurate items on my report as follows : XXXX XXXX XXXX This is not how my name is used. Delete immediatly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : According to my records, this account is inaccurate and your company is reporting errors on my credit report. 

Instruction : Investigate and verify the accuracy of this account with the Original Creditor. If you Can not Verify this account is reporting 100 % Accurate and Without Error, Immediately Delete This Account from my credit file. 

As proof of identity, I have enclosed a copy of my drivers license and proof of address. Once your investigation is completed and you deleted this information please mail me a complete and updated copy of my credit report to XXXX XXXX XXXX XXXX, TX XXXX. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-07
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. (NE)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an account left that needs to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: PRESTIGE FINANCIAL SERVICES INC (MI)

I purchased a vehicle from a family member. We contacted the loan company whose name is Prestige Financial. We were told by the company that the loan could be transferred to me after I filled out the proper paperwork. Prestige Financial i.e., XXXX XXXX the representative for the company assured me that upon completing the necessary paperwork that my name would be placed on the title and that the property would be considered mine after the title change. I filled out the papers that was requested. I waited months and the company never put my name on the title. I paid several thousands dollars to Prestige financial. Every time I would go to the DMV they would tell me that the car is not in my name. On XX/XX/2015 after I made a XXXX payment they repossessed the car for reason of none payment. XXXX XXXX stated that I did not own the vehicle and that the responsible owner has to pay for the vehicle herself. I asked why had they deceived me and had me fill out the paperwork if they were not going to title the car to me? and she rudely hung up the phone Everyone else that I tried to talk to at the company refused to provide assistance to me. The legal owner and I made complaints and we got nowhere. In the end the company took my money, refused to refund any portion back to me, failed to place me on the title as promised and has continuously reported to the credit bureaus that I owe them XXXX $ and that I am more than 120 days late every month severely damaging my credit. They are also reporting false information. If you carefully exam the reports you can see the conflicting info. I want them removed from my credit report and reprimanded for fraud and deceit. I also want a refund of all my monies that were paid to them.
Consumer complaint received 2022-12-05
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. (OR)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that items are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (ME)

I am writing to file a formal complaint regarding fraudulent accounts that have appeared on my credit report. Despite my efforts to resolve this matter with the credit reporting agencies and the involved creditors, I have not received a satisfactory resolution. 

I have recently discovered that there are several accounts listed on my credit report that I have no knowledge of and have never opened. These fraudulent accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe that my personal information has been compromised. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the situation. I also request that the fraudulent accounts be removed from my credit report promptly, as they are severely affecting my creditworthiness and financial well-being.
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

The XXXX account shows open and past due when it being reported under fraudulent circumstances, closed my account with company in XXXX. The account didnt show on my credit report for over 4 years then showed up my credit report in XX/XX/XXXX with missed payments back dated with a large amount due which are both fictitious. Been trying to get it removed for months from my credit reports. XXXX has not responded to myself or the attorney after several attempts via phone, email and mailed letters. Also submitted disputes with transunion and XXXX. They are allowing a fraudulent account with fictitious information on my credit report. They need to remove it from my credit report.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 

Account info Account name XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance reporting 30 days past due XXXX of XXXX - I have a XXXX account but this IS NOT it and I have never been late MY ACTUAL CARD XXXX XXXX XXXX  ( XXXX ) Current Balance {$0.00} Available Balance
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.
Consumer complaint received 2023-07-11
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. (TX)

In accordance to the fair credit report XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to this privacy 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit report as late for any purpose
Consumer complaint received 2023-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

On XXXX XXXX, while grocery shopping at XXXX XXXX, my wallet was stolen out of my purse. My husband called banks and credit cards. We were in the US Bank branch shortly after to close checking account and report incident. At that time, {$24000.00} had been removed from our account. Looking at copies of the transaction this theft happened within XXXX minutes in the form of Cashiers check for {$5000.00} and one for {$4500.00} and a cash out of {$14000.00}. The cash out was with XXXX transactions approx. XXXX minutes apart at the same branch with the same teller. During this time, I received no calls or texts from the bank to authorize these transactions. This was done by just using my Driver 's license. The handwriting on these transactions were not even close to mine and I doubt that there is a person who looks like XXXX year old me! This makes me a victim of stolen identity and fraud.Weekly I went into the bank to check the status of our fraud claim. I did this for over 2 months and not one response from US Bank. Meanwhile XXXX XXXX XXXX XXXX ( XXXX ), resolved this issue and credited my account the money that was taken in the same incident. On XX/XX/XXXX, I received a letter from US Bank denying my fraud report claiming I was negligent. I consider I was a victim and that I question how a bank 's internal controls to let a person remove {$24000.00} without a red flag. What training do tellers get to prevent this happening to the bank 's customers who give them our hard earned money to protect. I feel that negligence on the part of the bank needs to be addressed.
Consumer complaint received 2023-09-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Bridgecrest Acceptance Corporation (MO)

Bridgecrest Acceptance Corporation continues to harass me over an alleged debt, even threatening to repossess mg vehicle. I sent a debt validation letter to this debt collector on XX/XX/XXXX and the company has not provided all the information they were required to provide in order to continue to collect on this alleged debt. It is against the FDCPA for a debt collector to attempt to collect on a debt if they do not validate the debt within 30 days, it has been over a year and this company continues to harass me and cause stress in my life, and relationship. It is also a violation of the FDCPA to repossess a federally protected consumers property. On XX/XX/XXXX XXXX XXXX from Bridgecrest Customer Relations department admitted to committing fraud by stating they in-fact did send me a notice to repossess my property. That letter also states its an attempt to collect a debt, which violates the cease and desist notice sent to them on XX/XX/XXXX.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the following accounts. XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks
Consumer complaint received 2018-10-17
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. (MN)

" " '' I have disputed this collection on this XXXX XXXX   XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2024-04-01
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)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-09-20
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (VA)

( The XXXX XXXX ) I made the payment in XXXX that paid the account balance on XXXX. On XX/XX/XXXX I received a late fee and on XX/XX/XXXX the interest posted to the account. Im XXXX I paid the remaining balance which only included the past due fee and interest there was XXXX principal balance. After I made the payment in XXXX I received another late fee of {$34.00} because {$2.00} interest posted to the account. Again the again only has fees and interest because the principal balance was completely paid off in XXXX. The credit card act advises that theses companies are suppose to keep charging fees and interest on a balance that only consists of fees and interest. All purchases has been paid off and the company refuses to credit the fee for XXXX because I paid the fees and interest for XXXX and there have been no purchases made on this account. They need to update my credit report as well.
Consumer complaint received 2023-09-29
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. (IA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Capitol One credit card company. Where I obtained a credit card through Capital One company and someone steals XXXX off of my card and the problem gets reported back in XXXX of 2022 and the problem never gets resolved. And also I cancelled the card but I have not heard anything from them at all. I owed XXXX. Paid in full and put XXXX on the card extra. Within the timelimit given.
Consumer complaint received 2023-06-20
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-08-16
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to bring to your attention serious violations of the Fair Credit Reporting Act ( FCRA ) that have adversely impacted my financial well-being and emotional state. I implore the Consumer Financial Protection Bureau ( CFPB ) to enforce the legal rights granted under the FCRA and to facilitate the removal of unverified and inaccurate accounts from my credit report. 

For years, my life has been deeply affected by the inaccuracies and violations perpetrated by various creditors, all of which are meticulously documented below : XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX  Violations : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion without proper notice Undated late pay Charge off listed as open Collection account with a limit Account Number : XXXX XXXX XXXX  Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Violation : Unauthorized Inquiry under FCRA, XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Violation : Unauthorized Inquiry under FCRA XXXX XXXX Date of Inquiry : XX/XX/XXXX PREVIOUS ADDRESS : XXXX CAROB CT XXXX XXXX CA XXXX Violation : Incorrect Personal Information under FCRA, XXXX XXXX XXXX  XXXX Violation : Unauthorized Inquiry under FCRA, 604 Date of Inquiry : XX/XX/XXXX The stress and anxiety caused by these violations have taken a significant toll on my mental and emotional health. The inaccuracies in my credit report have unjustly hindered my ability to secure loans, obtain housing, and pursue opportunities critical to improving my quality of life. These violations have plunged me into a cycle of despair, further exacerbated by the financial difficulties I have faced as a result. 

I beseech the CFPB to take immediate action to rectify these violations and enforce my legal rights as a consumer. I request that you facilitate the removal of these unverified and inaccurate accounts from my credit report, thereby granting me the opportunity to rebuild my financial standing and regain control of my life. 

Enclosed with this letter is evidence supporting the violations I have outlined. I kindly ask for your swift response and resolution to this matter, and I am willing to provide any additional information necessary for your investigation. 

Thank you for your attention to this urgent matter. I look forward to a positive resolution that can restore my faith in the consumer protection system. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK (NJ)

XXXX XXXX XXXX XXXX Of XXXX : XXXX I'm not appreciative that because of a simple mistake, all of my accounts were closed. i deposited a check into my savings account and did not realize the banking institution had closed my account, so the check bounced. Instead of discover reaching out to me, they decided to not only close my savings account, but my cashback debit, money market and other savings account, which should have not been affected. I called and they told me to reapply for more accounts and those would remain open, they did not. They closed those as well. Discover was my primary bank and I want to keep banking with them, but this is ridiculous. I am filing a case with XXXX, XXXX & cfpb for repercussions.