davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Violation of my Rights. 

The rights that were violated are listed below : 15 u.s.c 1681 section 602 A. states I have a right to privacy 15 u.s.c 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code Subchapter V Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information, not communicate by post card, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2024-10-30
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. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been contacting Experian for over a year trying to get them tp update my credit report to accurately reflect my bankruptcy discharge. I have attached my discharge papers directly from the Federal Bankruptcy Court. Experian has refused to update the following accounts : 1. XXXX XXXX ( all accounts ) 2. XXXX ( all accounts ) 3. XXXX XXXX XXXX act # XXXX 4. XXXX XXXX XXXX act # XXXX 5. XXXX XXXX XXXX XXXX XXXX act # XXXX 6. XXXX XXXX XXXX XXXX act # XXXX THESE ACCOUNTS WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PROOF HAS BEEN PROVIDED MULTIPLE TIMES. EXPERIAN PURPOSELY AND NEGLIGENTLY REFUSES TO UPDATE THESE ACCOUNTS ACCURATELY CAUSING ME TO SUFFER EXTREME HARDSHIP AND BLOCKING MY ABILITY TO GAIN EMPLOYMENT AND SHELTER ( A HOME ) FOR MYSELF AND MY CHILD. Please please please MAKE THEM COMPLY TO THE LAW. My next step is a lawsuit because I have exhausted every possibility to getting them to correct this information. I have contacted the creditors directly and all have verified that they received notice of discharge. 

PLEASE HELP!! VERY URGENT!!!
Consumer complaint received 2019-10-22
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. (VA)

I don't recognize this accounts. I never applied for this, I don't have any contracts or agreements with this companies. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Consumer complaint received 2019-10-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I borrowed money from this XXXX XXXX, after two days i gave them the car on which i had borrowed the money. They refused the car. I was told that, " they will have to repossess the car at their time when they need it ''. I told them, i was going out of town for three months which makes me unable to make payments on the loan, please less resolve it this way. '' they told me that, " I don't make decisions for them when to repossess a car, its on their terms only. '' I told them that, " this will affect my credit. '' They told me that it was none of their concern. Today, they are demanding for the car or i pay their money. I have told them, " If they want the car, its not going to be reported as a repossession or i give them the actual amount of money they gave me 3 months ago without interest. ''
Consumer complaint received 2019-10-22
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. (CO)

XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2019-10-22
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. (FL)

I contacted a company XXXX XXXX XXXX in regards to business funding. I confirmed with this company weather it would be a soft or hard inquiry to check a pre-approval. The company responded its only a soft inquiry for a pre-approval and that there would not be a hard inquiry unless I signed and accepted an offer. 

Shortly after I moved forward with the pre-approval, I received an Experian Credit alert stating that a Hard inquiry was made on my credit report. 

I contacted the company ( XXXX XXXX XXXX ) immediately and the company states they were not aware that there was a hard inquiry.

I immediately forwarded the alert to the company ( XXXX XXXX XXXX ) showing them proof. 

XXXX XXXX XXXX rep just stated that there concerned that that happened. 

This is misleading business financing practices, and I did not agree to have my credit pulled with a hard inquiry. 


This is the information from Experian below : EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Business on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/2021.
Consumer complaint received 2019-10-22
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. (CO)

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 90 plus ) days late on XXXX. ( Please see attached pages from my credit report along with a spreadsheet with account numbers for your reference. ) These accounts were in deferment at the time these late payments were being reported and consequently were being reported in error. This incorrect reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this issue however, I have not been successful.
Consumer complaint received 2021-10-02
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: National Consumer Telecom & Utilities Exchange, Inc. (GA)

I contacted XXXX PER THE FAIR CREDIT REPORTING ACT Section 605A. [ 15 U.S.C. 1681c-1 ] to please place a security freeze on my information. I did not consent nor authorize XXXX XXXX XXXX - NCTUE or anyone employed by this company to the share my information to the public, specifically with data aggregators who are looking to collect information on my behalf. This is a major violation of my privacy rights and demand to have my entire credit file REMOVED from their data institution.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United Collection Bureau, Inc. (PA)

We are participating in a debt relief program and all of the companies in which we owe debt in the program, were notified of our situation and the program by XXXX XXXX XXXX. 

On Tues, XX/XX/2019, a debt collector, XXXX, from United Collection Bureau, contacted my husbands work number. The phone number that they called from was XXXX. The phone number that they told my husband to call was XXXX. It is not okay to call my husbands employer regarding this matter, especially since they are aware of us being apart of the program and trying to pay this debt. 

If you have any questions for us regarding his matter please contact us. 

Thank you!
Consumer complaint received 2022-08-15
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. (NJ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX
Consumer complaint received 2019-10-22
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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY (VA)

According to XXXX, XXXX, XXXX 's Credit Report REGARDING my FICO Score Factor, I have no credit card usage or payment history and this statement is attached to my credit report and FICO Score Factor. 

Please see the attached document regarding my credit card usage dispute with credit report statement. 

The statement in the FICO SCORE FACTOR ARE INCORRECT REGARDING MY CREDIT USAGE AND PAYMENT HISTORY. 

IM FEELING VERY DEPRESS AND SAD
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Wrong socials on my report disputed Wrong address disputed Wrong names on my report disputed Wrong cell phone and phone numbers on my report disputed accounts I know nothing about on my report disputed with all three agencies this has had a adverse effect on my credit report causing me emotional and financial hardship for over 20 years.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid 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: DISCOVER BANK (DE)

I cancelled my yearly membership with XXXX XXXX before the billing date in XXXX of XXXX. I noticed that despite cancelling that I was still charged. On XX/XX/XXXX I contacted XXXX 's customer service via text and they stated via text that my account was cancelled and that I would receive a credit for {$100.00} on my Discover card within XXXX business days. That did not happen, so I opened up a dispute case with Discover. Discover initially ruled in my favor, but sent me a message a few days ago that they had put the charge back on my card because XXXX disputed. According to Discover, I have no recourse. I have been treated unfairly by both Discover and the merchant.
Consumer complaint received 2022-02-03
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. (MI)

I found out in XX/XX/XXXX that a XXXX XXXX XXXX XXXX account was opened in my name in XX/XX/XXXX. XXXX made a hard inquiry before opening the account. Both the inquiry and account were then included in my credit profile at all three agencies ( XXXX, XXXX and Equifax ). 

I reached out to XXXX to investigate, and they determined the account to be fraudulent. They sent a letter dated XX/XX/XXXX confirming that they closed the account. They sent a 2nd letter dated XX/XX/XXXX confirming a fraudulent application was made in my name and that they informed the credit reporting agencies to remove the account. They sent a XXXX letter dated XX/XX/XXXX stating that they requested that the consumer reporting agency " change '' the inquiry. I have no idea why they used " change '' instead of " remove. '' I also reached out to all three credit reporting agencies. XXXX and XXXX removed both the account and the hard inquiry. Equifax only removed the account, but not the hard inquiry. I have had multiple conversations with Equifax representatives and got different reasons for why the inquiry remains. 

I want the hard inquiry removed since it was based on fraud, unauthorized by me, misrepresents the nature of my creditworthy behavior and impacts my credit score negatively.
Consumer complaint received 2022-04-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : ( Original Creditor : ) / {$35.00} / XX/XX/2022
Consumer complaint received 2022-08-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX
Consumer complaint received 2022-08-15
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX
Consumer complaint received 2022-02-04
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. (TN)

Hello this is a formal complaint to request all credit reporting agencies including Experian, XXXX, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX are in no way mine. There is a public record for child support on my report and I DO NOT EVEN HAVE KIDS. That is false and misleading and has stopped me from getting a promotion amongst other things. The listed account XXXX XXXX XXXX  # XXXX that I do recognize is not only never late but in very good standing. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CoinZoom, Inc. (AZ)

On XX/XX/XXXX I transferred {$7000.00} from my CoinZoom Debit card ending in XXXX to XXXX. 

A few minutes later, I meant to send the {$7000.00} to my XXXX XXXX Checking account, but instead sent the money back to my CoinZoom Debit card ending in XXXX as that was the payment source that was currently linked to my XXXX account. Please note that the amount sent from XXXX to CoinZoom was {$6900.00} ( the bank statements show {$7000.00} as there was a {$100.00} fee to transfer the cash out to CoinZoom ). I've attached an XXXX file listing all transactions going in and out of my XXXX Account. I've also listed a snapshot of my XXXX and XXXX activity showing the transaction leaving my XXXX account on XX/XX/XXXX at XXXX MST and never being returned. 

XXXX confirmed that the {$6900.00} was sent to CoinZoom and provided the Retrieval Reference Number : XXXX to help trace the deposit. 

Then After multiple follow-ups and over a month of waiting I finally received the missing {$6900.00} on XX/XX/XXXX deposited in my CoinZoom account. 

Then on XX/XX/XXXX, when I logged into my Coinzoom account, CoinZoom made a " ACH Adjustment '' for a negative - {$6900.00}. They removed my {$6900.00} in funds and never provided an explanation as to why they credited my missing funds and then decided to take it away a week later. 

I've reached out over XXXX times in the last XXXX  months and they still have not resolved this problem. I've also sent XXXX messages in the past 60 days requesting them to provide an update and they haven't responded. I even provided them with a Business to Business phone number that XXXX XXXX provided me ( XXXX ) XXXX to work with them on locating the funds and they haven't made any attempts to remediate the issue. 

I'd like to have my {$6900.00} in missing funds returned to me immediately.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

i have a home loan with ( XXXX XXXX XXXX XXXX ), they are reporting inaccurate and wrongful late payment on account number ending in XXXX. 
this is inaccurate and this is a complaint to what they are reporting. attached you will find the letter received from XXXX and it was processed to be updated with the bureaus, but for some reason it has not. please have all the three bureaus reverse this inaccurate late payment form XX/XX/2019. 
letter hence attached.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

There are several inaccurate late payments on my consumer report. I am demanding that these companies show me concrete proof that I was ever late on any account by sending my the accounting records of each following account number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681i I am also requesting the procedure you used to " verify '' these inaccurate late payments.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (MD)

Set up payments in XX/XX/XXXX with my XXXX XXXX VISA Card ; they did not state that they do not take pre-paid cards until after the fact that I set up payments with my XXXX XXXX VISA Card. 

They did two ( 2 ) attempts to the card ; and denied them both. I don't understand if you are trying to resolve a debt they should take any means possible available to client and not to be so tedious as to what card they take. They always want to go through your checking account and I do not want them going into my personal checking account as they are a crude collection agency. They could just take my money if I give them that access. 

I tried to resolve this with them many times ; XXXX/now Midland Funding. The sell your account so many times that you get confused as to whom they are!!! This should be banned from them doing so. XXXX is in Bankruptcy and XXXX was their credit card holder- but their tactics are not good ; because when I talked to XXXX XXXX they would not even negotiate as I told them I had XXXX and was sick in XX/XX/2016.