davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (FL)

I XXXX XXXX am reaching out to express the violations I have faced at the hands of the credit reporting agencies. 
" Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), it is imperative that consumer reporting agencies, including XXXX, XXXX, and TransUnion, uphold their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which underscores the Congressional policy that financial institutions, including furnishers of information to credit agencies, must continuously respect customer privacy.

In alignment with 15 USC 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may furnish a consumer report only with the explicit, written instructions of the concerned consumer. I declare that XXXX, XXXX, TransUnion, and the furnisher of information to credit agencies do not possess my consent to provide this information, and I explicitly revoke any form of consent, whether verbal, non-verbal, written, implied, or otherwise. 
Referring to 15 USC 6802 ( b ) ( c ), financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer of their right to exercise nondisclosure. However, the furnishers of information to credit agencies failed to apprise me of this right. Moreover, 15 USC 1681C ( a ) ( 5 ) stipulates that no consumer reporting agency may include adverse information in a consumer report without authorization. The reporting of adverse information without my permission violates the law. 
Financial institutions such XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fall under this definition. According to 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may furnish a consumer report only in accordance with the written instructions of the consumer. In this case, neither Transunion, XXXX, nor XXXX has my consent, be it verbal, non-verbal, written, implied, or otherwise, to furnish this information. 
In accordance with 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), it is prohibited to furnish inaccurate information to a consumer reporting agency. XXXX, XXXX, and TransUnion are in violation of this provision. Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to avoid violations of FCRA sections and limit the furnishing of consumer reports to specified purposes. The lack of reasonable procedures by XXXX, XXXX, and TransUnion is evident. 

Lastly, as outlined in 12 CFR 1016.7, I assert my right to opt out of the reporting services of XXXX, XXXX, and TransUnion at any time. Therefore, I am officially opting out of the reporting services provided by these three consumer reporting agencies. '' Please see my attached credit reports for the violations.
Consumer complaint received 2023-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ghidotti | Berger LLP (FL)

Ghidotti and Berger with aid of " court '' omitted, falsified and suppressed evidence of identity theft to falsify documents against property for gain and benefit of unlawful and contemptuous seizure in direct contempt of CFPB civil penalty relief. 

Racketeering and conspiracy under XXXX racketeering includes ignoring related cases and orders or sanctions and injunctive relief to victims of XXXX XXXX  fictitious loans. 

GHIDOTTI AND BERGER " amended '' court hearing for " victim '' of identity theft XXXX XXXX to " appear '' under false pretenses. 

Ghidotti and Berger never offered any " agreement '' to victim of identity theft and did not offer any civil penalty relief or honor in direct contempt of civil penalty orders XX/XX/2022 At no time did CFPB order XXXXXXXX XXXX to " offer '' " civil remedy '' agreements and only civil penalty RELIEF. 

I reported this to all authorities and all bar associations in all states plus Florida state judicial qualifications because this is pattern with same XXXX XXXX and subsidiaries for over a decade giving out fictitious loans under identity theft and without any appraisals for substance dependent " borrowers '' that use properties they do not won for loans, and to rinse and wash embezzlement financial crimes with racketeering rings. 

Attached is the highly redacted report of " court minutes '' showing the conspiracy to act in contempt of all prescribed injunctions of the court and to protect " borrower '' that has repeatedly opened fictitious loans under fraud, deception and conspiracy to assume the benefit of loans under embezzlement, property fraud and public corruption without any knowledge of owner or any appraisals under property equity schemes. 

The courts, government employees, lawyers and judges have aided under obstruction of discovery and due process of prosecution, in omissions of financial identity property theft fictitious loans schemes. 

Our tax collector and evidence, and investigations of an abundance of developers, loan processors, government employees, contractors, implicated individuals have been sentenced/cooperating with investigations and pending federal cases of bribery and uses of pills for bribery and the racketeering in XXXX XXXX XXXX
Consumer complaint received 2019-09-23
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. (IL)

I have contacted Equifax several times that they are not correctly reporting several accounts. My XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts are not being reported by Equifax even though these companies are sending them updated information monthly.
Consumer complaint received 2019-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (PA)

A debt was entered onto my Credit report on XX/XX/2019 in the amount of {$510.00}. The Creditor was COMMONWEALTH FINANCIAL. I was not notified by mail, email or phone by the creditor to validate the debt. I mailed COMMONWEALTH FINANCIAL a certified letter with signature service requesting more information on the validity of the said debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I have not received any requested documentation from COMMONWEALTH FINANCIAL.
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (MD)

Truist denied a Fraud Claim stating that I have received benefits from the merchandiser. 

A family member clicked on a XXXX ad to what they thought was a Fall Sale for XXXX XXXX. 

The site was copied to look exactly like the official site. 

Upon receipt of an confirmation the email looked off. 

We called XXXX XXXX who informed us were frauded. 

We immediately called Truist on XX/XX/12 at XXXX within XXXX minutes of the confirm They told us it was too late to stop and to file a fraud Trusit rejected the claim stating the merchant stated we received the claim- a company called XXXX they failed to close the account as requested and left XXXX as a recurring payment. 

We are seeking the return of our {$190.00} for the fraudulent denial of the claim
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-08
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$860.00}
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Kindly correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

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 and Under 15 U.S. Code 1681b 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 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

As a consumer, I have listed the concerns about your reporting in my last two dispute letters sent to TransUnion. I sent TransUnion my first dispute letter which on XX/XX/2023, via certified mail, and the second dispute letter was sent to TransUnion on XX/XX/2023, also via certified mail. My credit report is not complete nor accurate and TransUnion has failed to meet applicable standards according to the law that they are required to adhere to by for both FCRAs as well as Metro 2 compliance. My rights are being violated and I am aware that TransUnion has been sending out form letters in response to my letters which is illegal and also they have completely ignored all Information that I have requested. I have no choice but to invoice TransUnion for violating my consumer rights and for personal damages incurred.TransUnion is in direct violation of 15 U.S. Code 1681n - Civil liability for willful noncompliance amongst others that are listed in the invoice attached. I will be sending them a notarized affidavit along with an attorney general complaint.
Consumer complaint received 2023-09-19
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: AutoNation Enterprises Incorporated (CA)

CIG FINCL XXXX was reporting inaccurate on my credit report in violation of Federal Law. I need this to be updated or removed accordingly.You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In  XXXX   2017, I sent a request to each  XXXX ,   XXXX   and Trans Union regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verif ication.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :   XXXX   : Responded by ADDING an initial fraud alert  Trans Union : R esponded by ADDING an initial fraud alert  XXXX  : Has failed to make any response to the request.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reinvestigated my updated credit report, I realized that the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts listed below : XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA still has NOT updated my account to a XXXX balance and currently open credit card. It is causing my credit score to be lower with this balance that still does not reflext the correct current balance of XXXX
Consumer complaint received 2024-01-26
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. (OH)

I reviewed my consumer reports and noticed that I had two late payments on an account that i was never late for. The 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 accounts that I have included screenshot inside this complaint in on dates of XX/XX/XXXX and XX/XX/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 paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-01-12
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: EQUIFAX, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy discharge : Ref. # XXXX. XXXX XXXX : Acct. # 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 an 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 2024-01-26
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. (AZ)

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Consumer complaint received 2024-03-21
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. (IL)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2024-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TRANS UNION IS REPORTING INCORRECT ACCOUNTS ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNT AND BALANCE DO NOT BELONG TO ME
Consumer complaint received 2024-01-26
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. (AE)

on XXXX XXXXXXXX of 2023 i sent a letter to transunion asking them to provide me with information regarding a item listed on my credit coming back as verified I asked them to provide me with evidence of this matter and have gone ignored on my request
Consumer complaint received 2023-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In the beginning of XX/XX/2023 I called the bank to submit a fraud claim. The claim was not filed when I called the first time, but actually filed a couple weeks later when I called again about a month or so later I finally got my temporary credit and then I got something in the mail, saying my claim was approved. Then I received something in the mail, saying they denied my claim that was already closed and they were going to take that credit away again. When I didnt have enough funds in my bank account, I called and the lady promised me it would not happen and they would not take the money out and then the next week they did so my bank account was - {$200.00}. I called Bank of America again and they told me that I had to file a police report to show that I actually got my identity stolen and the fraud was real. They would not refund me my money so I put my own money in to make my account go back to XXXX dollars then they told me they dont know when they would be able to approve my claim and give me my money back about a couple weeks later they finally did give me the original XXXX that they took out but they still have not given me the XXXX that I had to put back into the bank to get my bank account back to XXXX from XXXX.
Consumer complaint received 2023-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history or better yet, DELETE the whole account from my report. If there is any confusion, I suggest you contact myself or the customer service representative.
Consumer complaint received 2023-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$13000.00}