davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
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. (TN)

( 1 ) TransUnion has a legal obligation to ensure that the information it is reporting on my credit report is complete, accurate and verifiable.

( 2 ) I did not authorize the inquiries TransUnion is reporting on my report and I have notified TransUnion of the same.

( 3 ) Instead of properly investigating this matter, TransUnion chose to send me a stall letter, advising that I should contact the furnisher of such information. Notwithstanding the fact that I did, and the furnisher ( s ) is not aware of the listed entries, nor can they provide proof of me granting them permission to run my credit for a permissible purpose, it is incumbent upon TransUnion to ensure that what it is reporting is verifiable, accurate and complete.

( 4 ) TransUnion has failed and multiple efforts to resolved this matter over the phone have not yielded a positive outcome. Therefore, as a matter of last resort before further escalation, I am engaging the authority of the CFPB to investigate this FCRA violation.

Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute regarding the inquiries appearing on your report, we sent you a letter to explain inquiries remain on your report for two years and if you believe it was made without permissible purpose, you may wish contact the company directly.

The above response is useless and means absolutely nothing with regards to my case. TransUnion is aware that I am a victim of identity theft and have been provided relevant documentation to reflect the same. Those inquiries need to be deleted- Period.
Consumer complaint received 2024-11-09
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. (IN)

My birth certificate had been taken along with some other things at a storage facility. I also have been the victim of several data breaches such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Trans Union XXXX XXXX, XXXX XXXX XXXX and several other that XXXX XXXX has made me aware of. The following unknown charges appear of my various credit reports. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$0.00} ( I have no children born in or live in TN ) XXXX XXXX XXXX XXXX {$35000.00} ( This has been paid for years )
Consumer complaint received 2022-11-19
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)

XX/XX/2022, I reached out to the courthouse and asking do the company report bankruptcies and if so to whom. The response that I got from multiple communications was that they don't report bankruptcies to anyone or any agencies. So if that is the case, how did the credit bureaus edify my bankruptcy as a XXXX XXXX  accurate? They never did a investigation as to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly form a creditor of the consumer or from the consumer. 

They also violated my rights numerous of times. The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

According to : 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, According to : 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 2022-11-19
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. (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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX, XXXX : XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I've been a Capital One, credit card holder since XXXX. I've never had a missed payment and they increased my credit limit from $ XXXX to $ XXXX without my asking. On the XXXX of XXXX, XXXX I requested a credit limit increase, however, unfortunately I was denied. I then applied for a new credit card with Capital One, and my application was accepted with a credit limit of $ XXXX, twice my established credit with Capital One of $ XXXX. 

To my shock and dismay on Saturday XXXX, I discovered that both of my Capital One credit cards were blocked! I immediately called in and waited over an hour for a customer representative to become available. I was told that there was a question about my income, which I listed as $ XXXX in XXXX when I opened the Capital One credit card and on my latest credit card application with them as well. In fact $ XXXX is listed as my annual income on my Capital One credit card online profile as well. The customer service representative informed me the person over my case attempted to call me, however, my phone listed that number as a SPAM call, therefore I didn't answer. I was also informed that Capital One would send me a XXXX, authorizing them to view my IRS XXXX XXXX return for XXXX. 

This is absolutely unacceptable and in my opinion discriminatory. I have a XXXX XXXX  on all three of the major credit bureaus. As a small business owner the only time I've ever given any entity access to my tax returns is during this Pandemic, when I gave the SBA a Form 4506-T, authorizing the IRS to confirm my XXXX Business Tax Return whereby the SBA could continue the process of my EIDL corporate funding. I would never, under any circumstance grant any financial entity access to my personal tax returns for a paltry $ XXXX credit card! That Capital One, has blocked my long established credit card and new one which they initially granted with no issue is a violation of customer dignity.

I would never apply for any credit card which required my tax return as part of the application. For personal loan or business loan, perhaps, contingent upon the terms of the loan. However, never for a small $ XXXX credit card from a lender with whom I already have a nearly two year business relationship with. This insult is ludicrous. 

Furthermore, even if I were of such low self-esteem as to agree to the asinine demand of Capital One, I could not comply as I was unable to submit a XXXX Personal Tax Return, due to identity theft. I've attached documentation attesting to this fact!
Consumer complaint received 2022-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Affirm Holdings, Inc (CA)

All of sudden I keep receiving e mails from this company Affrim. It is a loan company that XXXX uses. I have never taken a loan out I have always paid for all products that have been ordered though XXXX, they started taking money out of my debit card on fill. Of XXXX I had to fill a dispute and charge my debit card after looking at the charges I already paid this in full. They keep sending me threating e mails that I owe them XXXX for items I paid in full with my debit card on file.
Consumer complaint received 2020-12-06
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: Village Capital & Investment LLC (AZ)

My ex-husband and I had a VA home loan with Village Capital Investments. We were in forbearance because of being laid off due to Covid-19. My ex-husband returned to work on Monday, XX/XX/XXXX and I have relocated as a XXXX, in Arizona to help with the Covid-19 pandemic. My credit has been affected as well as being considered delinquent, late fees and additional interest accrued on the mortgage despite being in forbearance. We should have been advised about how to repay the forbearance monies and were not. We were also denied an extended forbearance, stating they lost our paperwork that was submitted. Assistance to pay back forbearance was also denied. I have worked my XXXX off to stay afloat on the frontline of this covid-19 pandemic and this is the treatment I received, just incredible!! 
I can see the interest still accruing, but the late fees and points lost on my credit score is preventing me from moving on in Arizona. The house finally sold and the loan paid in full but also due to coved-19 my credit is being denied for a house here in Arizona. I am pleading for some assistance, and advise as to what to do next. I want these delinquencies removed from my credit report. 

Thank you for your time, Respectfully begging, XXXX XXXX XXXX
Consumer complaint received 2020-12-05
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (GA)

On XX/XX/20 I sent NCB management a letter, asking them to validate the date, which they are required to do, when asked, as part of the provisions of the Fair Debt Collection Practices Act, which they failed to do. I sent them a 2nd letter on XX/XX/20 that since they failed to validate the debt, that they were required by the FACT act Section 312, to remove the collection account from all 3 of the credit reporting agencies, which they failed to do. I sent them a 3rd letter on XX/XX/20 reminding them that they have yet to validate the debt, or remove it from my reports, and that if they didn't, then I would be taking legal action. With all 3 letters they gave the same response of, " they received my dispute, and after conducting an investigation, they were unable to substantiate the allegations of my dispute ''. I'm attaching all 3 letters that I sent, as well as the last copy of the letter they sent ( all 3 letters they sent, said the same thing ). The debt in question is a collection account, with the original creditor being XXXX XXXX, for a charged off auto loan, in the amount of {$10000.00}. XXXX XXXX is in the middle of a class action lawsuit for thier business practices, and NCB is supposed to no longer be allowed to collect on the account.
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc (NY)

XX/XX/2022 I purchased XXXX XXXX XXXX who then sent me to Affirm for a loan for the product. Before 30 days, I found out from my dentist that I would not be able to use the XXXX XXXX XXXX and cancelled the product and provided a letter from my dentist. I received an email from Affirm stating that the loan was confirmed but would not be processed until XXXX XXXX starts to process my order, which could take up to 30 days. I cancelled the order withing that 30 days, and have spent the past 6 months fighting with them about not making payments to the loan for the cancelled product. They have emailed, reported late payments to the credit bureau and now sent my account to collections for missed payments, in spite of my continuing to correspond with them about my financial hardship, inability to use the product and ask for assistance. As of now XXXX XXXX has refunded Affirm {$1400.00}, but they have sent my account to a collection agency for {$340.00}, which I do not have. I was told by XXXX XXXX they only deducted {$100.00} for cancellation and {$130.00} for the mouth impression. At this point I have been feeling harassed and distressed about the ongoing correspondence from Affirm, and the negative report to my credit. Can you please help me?
Consumer complaint received 2020-12-05
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 (MO)

BOA instead of declining my debit card for being {$8.00} short on the charge to XXXX 's they charged me a {$12.00} overdraft fee. I have had this conversation with them several times and have told them to always decline the card if there is not sufficient funds in the account to cover the debit and the rep assures me they will. I talked to a very rude supervisor XXXX @ XXXX XXXXct after holding for 15 minutes and she declined my request. I asked for a supervisor and she told me it would be a very long wait time. I decide to get help this way instead. As you can see on the uploaded document the transaction is still pending yet they have deducted the XXXX.
Consumer complaint received 2020-12-05
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. (VA)

I have contacted XXXX and Experian several times about a chapter XXXX dismissed bankruptcy that is on my credit report. I have contacted the company XXXX XXXX in which they state that they verified ; however, XXXX XXXX does not have it in their file as it isnt mine. XXXX nor Experian will provide me verification letters.
Consumer complaint received 2020-12-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: De Lage Landen Finance, LLC (NV)

Around XX/XX/2020 i stated to talk to XXXX in Idaho for a tractor and baler. 
They had a used tractor and a new XXXX baler. 
They gave me the price and who would be good to get a loan from. 
As we talked I did fill out some paperwork to get things started. 
But as things got going they started to push me into getting this deal done. 
At the time I had done some paperwork with the loan company. 
They had sent paperwork but there was problems with it and that company said that with the way I had signed some of there paperwork was not how there rules and polices were. So that i still needed to re-do those documents. 
So all this time I did not know that the loan company had went around there rules and that XXXX had taken money with knowing that the paperwork was not inside what the law is in Idaho and the law in Nevada. 
So when I did think it would be best that I pass on this equipment they told me the deal was done already!! 
The loan company on XX/XX/2020, started to fund the loan and on XX/XX/2020 did fund the loan and send XXXX the money for the equipment. 
But I will sent copy of emails dated XX/XX/2020 that shows that they both wanted me to re-do the paperwork then. 
And in a email they both said that the paperwork was done on XX/XX/2020 & XX/XX/2020. 
And I did not even try to send paperwork back tell XX/XX/2020 And then a very short time after that I was told that the money had been sent weeks before that. 
So how could a loan be done with out all paper work done and signed. 
So after XX/XX/2020 I did think it was best to just walk away from this. 
But then later I did find out that XXXX took months to pay back the money to the loan company. 
And that should have been done right away. 
And in Idaho and in Nevada both company 's did not stay witin the law on this
Consumer complaint received 2022-07-31
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. (DC)

EXPERIAN is unlawfully reporting an unauthorized inquiry on my consumer report. I have not given EXPERIAN permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By putting inaccurate information on my consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, EXPERIAN are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX XXXX I have not initiated any transaction with XXXXXXXX XXXX XXXXXXXX. 

Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXXXXXX XXXX XXXXXXXX for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2023-05-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Equifax is violating my consumer rights. 

I have sent a request for arbitration and XXXX has so far ignored this request. 

I followed the steps online to start the arbitration and they have since ignored my request. 

Equifax violated my consumer rights by refusing to respond to written letters and only responding to CFPB complaints. They violated federal law stating that if they do not reply within 30 days of a complaint about specified accounts, the accounts under federal law are to be deleted. 

I have already spoken to XXXX about Equifax 's blatant violations of federal law. 

I have attached original copies of sent letters and usps receipt from arbitration request mail For over 1 full year Equifax has violated my federal consumer rights every change they got. I have written to federal and state / civil judges and to multiple attorneys who all have agreed with my evidence that Equifax is in the wrong. 

I demand justice in this matter.
Consumer complaint received 2020-12-05
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. (VA)

I have contacted Transunion and XXXX several times about a chapter XXXX dismissed bankruptcy that is on my credit report. I have contacted the company XXXX XXXX in which they state that they verified ; however, XXXX XXXX does not have it in their file as it isnt mine. Transunion nor XXXX will provide me verification letters.