davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXXXXXX Date XXXX Balance : $ XXXX Date XX/XX/20
Consumer complaint received 2022-03-03
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. (GA)

For the report # XXXX Experian claims that the identity theft report that I included did not meet the guidelines for the Federal Fair Reporting Act.

Under 15 U.S.C. 1681, the blocking of information gives these instructions on what is needed to file a report. It does NOT require me to file a report with a law enforcement agency. 

See section below. 

605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 40 605B - 15 U.S.C. 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have provided all information to Experian, FTC and CFPB as it relates to this account and no additional information needs to be provided. This account by XXXX XXXX XXXX XXXX needs to be deleted from my consumer report immediately. 

Please keep in mind, you are willing noncompliance after several attempts of deleting this unauthorized account. 

616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; As it stands, you have misrepresented the Fair Credit Reporting Act and have continued to ruin my reputation with this account reporting, as I have not been able to extend my credit due to this account.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. These inquiries are reporting on my personal credit file with XXXX and TransUnion ( XXXX XXXX XXXX ). These inquiries were reporting fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX  & XXXX XXXX  ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX  & XXXX have not provided me with any evidence, authorized or created by me. Below are the inquiries not authorized by me ; XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX  XXXX  Inquiry Date XXXX, XXXX XXXX  XXXX Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX, XXXX Inquiry Date XXXX XXXX XXXX  XXXX  XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX Inquiry Date XXXX, XXXX  XXXX Inquiry Date XXXX.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NV)

This account is misleading and dishonest since it negligently reported false information. Please provide me with written proof that I authorized you to report anything on my consumer credit report. I called the debt collector, but they refused to give any proof ; as a result, you are reporting two accounts that are fraudulent and misleading.
Consumer complaint received 2022-03-03
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. (FL)

I sent off letters to dispute accounts with XXXX, Equifax and XXXX in XXXX of 2022. I still havent received a response from any of the them in almost two months later. The dispute was in regards to these consumer reporting agencies reporting information without my permission. According to 15 USC 1681b, a consumer reporting agency may only furnish information with written instructions of the consumer. And I am the consumer and I didnt provide them written instructions to do so. Furthermore, 15 USC 1681a ( 2 ) says that reports containing information solely as to transactions or experiences should be excluded from a consumers credit report.
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I disputed my credit card account with Capital One almost a month ago and I havent received a response from them regarding my dispute. There was a billing error in the form of a computational error that I discovered on my credit cards periodic statement, pursuant to 12 CFR 1026. 13 ( a ) ( 5 ). The billing error appeared as being very false and misleading.
Consumer complaint received 2022-05-03
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. (TX)

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX, and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete 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
Consumer complaint received 2022-05-03
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. (AZ)

I have sent XXXX XXXX and transunion since XXXX I sent several certified letters from the post office that require a signature once receive, stating that this information on my credit report is inaccurate from the inquires to the collection I am a victim of identity theft. I send them copies of police report it's XXXX its this wrong and fraudulent information they reporting. Now I had hire a lawyer 2 months ago and been sending them letters and still not remove. This false information is stopping me from providing for my kids it's hard to rent etc and this is wrong information they putting out.
Consumer complaint received 2022-05-03
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LendUp Loans LLC (TX)

1 ) LendUp reported late payment even though a payment was made.

2 ) Lendup made promises of lowering my interest rate- yet doubled it upon a new loan. 

I have attempted to contact them, as they are reporting incorrect and negative marks on my credit report. I have been unsuccessful as there is no contact information on my credit report, their website is down, and I can not find a phone number. The one on my credit report is not in service.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd (FL)

I know my debt was valid. It went to Nationwide Recovery Systems. I called them in attempt to pay my debt to get the collection off of my credit report. The representative told me if I paid today ( XX/XX/XXXX ), he could reduce my bill. I asked for a settlement letter. The man accepted my request and emailed a settlement letter indicating the reduced collection. I agreed, and paid the bill. I noticed today, that on the day after, XX/XX/XXXX, an additional {$400.00} was withdrawn from my account from the same company. 
I immediately emailed them saying I wanted my money back in a refund otherwise I would be taking further action. They would not respond to my email other than emailing back saying they wanted to call me. I refused, said email correspondence would be sufficient, and said I wanted proof of what they say to me via email.
Consumer complaint received 2022-09-23
Product: Vehicle loan or lease — Lease
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: SANTANDER HOLDINGS USA, INC. (AZ)

On XX/XX/XXXX we sold the vehicle of this lease to a dealer. The dealer sent a check with the payoff amount to Chrysler Capital who financed the lease. Since then I have tried many times to receive a XXXX satisfaction letter from them so that I can use it to get a refund for the extended warranty from the dealer which we did not use. They require a XXXX satisfaction letter before they will refund us for the warranty. I have contacted Chrysler Capital at least a dozen times over the course of XXXX weeks requesting this letter. I have talked to several members, even managers in the correct department who all assure me I will receive it in the mail. After waiting many weeks ( much more time than how long they said it would take to arrive ) I requested it be sent via email. I have now requested XXXX separate times to receive the letter by email and each time they assured me it would arrive within XXXX hours. I have never received this letter, either by mail or by email.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I have requested that my name to be updated correctly, my name is XXXX XXXX not XXXX XXXX XXXX, please update correctly. As per my driver license and Social Security card. Lastly my address that is listed XXXX XXXX XXXXXXXX XXXX has not been my address in over XXXX  years and should not be on my credit, I was underage when I lived at that address remove that address immediately.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (FL)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-05-03
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-05-03
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Uniform Commercial Code Article 9-210 I am requesting accounting of the alleged debt. 

This information has has violated my rights under the FCRA. This has caused XXXX XXXX, loss of opportunities, Credit loss to say the least. I am unable to purchase a home for my family. 

By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof, update my payment history, remove negative remarks and change to PAANL status ( Paid as Agreed, Never Late ).

I will be seeking { {$5000.00} } in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2022-05-03
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. (NY)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXX XXXXXXXX XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

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 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 2022-09-23
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the account which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Date Opened XX/XX/2019 XXXX {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-11-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

My daughter attended The XXXX XXXXXXXX XXXX XXXX, and the school.closed on her prior to graduation due to fraud. From my understanding, this loans that I received on behalf of her education through the XXXX XXXX XXXX were to be discharged because of this and I have yet to hear any updates about my account specifically.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

On XX/XX/XXXX I thought I was hired by a fake company calling itself XXXX XXXX XXXX for a software engineering position. 

They sent me a fake starter paycheck of {$4900.00} on XX/XX/XXXX to wire to a man, posing as a company, to purchase and deliver the equipment. The money sent was {$4700.00} on XX/XX/XXXX and sent to XXXX into the account of XXXX XXXX XXXX XXXX, again through a wire. I do not know if the thief is posing as him or affiliated with him in any way. But because the paycheck is fake, this will leave me in the negative in my checking account. 

The deception was discovered that night, and USAA was called for a way to stop the domestic wire transfer at XXXX XXXX EST. A fraud report was filed, and a note on my account explaining my situation was put on my account. The wiring side of the company was closed so while the wire itself was processing it could not be stopped. 

The next morning on XX/XX/XXXX XXXX the wire was said to be complete, but the side of USAA that handles wires would not open until XXXX XXXX CT. I called as soon as possible at opening hours and was told they would attempt to recall it. 

At XXXX a transfer recall request was put out from USAA to XXXX.
Consumer complaint received 2022-05-03
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: Experian Information Solutions Inc. (WA)

To Whom it may concern, RE : XXXX DCU Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) " the term consumer report does not include '' any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' by furnishing the below account on my consumer report you are in violation of the law. remove the Account from my consumer report : XXXX DCU Failure to respond satisfactorily with deletion of the all Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2022-05-03
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. (MA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXdischarged XXXX, XXXX XXXX