davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-23
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. (OH)

There seems to be an error on my consumer report furnished by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX my consumer report, there is late payments reported and Fraudulent accounts which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of 5 business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (CA)

Investigation has taken more than 50 days please reference XXXX as this has taken 3 weeks itself the bureaus do not get months to respond... the law allows 30 days.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION (TX)

I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with XXXX and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that oportun has put tons of hard inquiries collections on my XXXX XXXX and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX
Consumer complaint received 2022-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (TX)

During time contract was signed I never received my 2 attachments informing me of my right of rescission. I sent a affidavit o rescission on XX/XX/22. Bridgecrest sent a letter trying to denounce my affidavit.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

On XX/XX/2022 I reached out to Experian to have address remove and alias fixed begin that I only have one name and one current address and explained that I have Disputed them and if I could indeed get those information updated because I dont live at those address and the agent named XXXX didnt want to help so I informed her it her duty to get accurate information reported and that I am not getting help and how its a violation of the fair credit reporting act I asked to talk to a manger and she said no manger can help me.So I called back and talked to another person which XXXX the first agent told me she was only only person I could talk to which was a lie. I continued to explain what happened and the new agent talked for a bit and then put me on hold and then hung up on me.I asked for her full name she denied to answer me and only told me her team name is XXXX. Its seriously a problem that I cant get my own file updated which is a violation l.
Consumer complaint received 2022-08-24
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. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-04
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}
Consumer complaint received 2022-08-24
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. (NC)

On XX/XX/22 i sent a letter to XXXX for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They sent me back a research request form. I did not ask for this. 

ON XX/XX/22 i sent a letter to transunion llc for -15 U.S.C 1681 ( a ) ( 4 ) - " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
-15 U.S.C 1681 ( a ) ( 2 ) - " In accordance with the written instructions of the consumer to whom it relates. 
I ever gave written instructions to put this on my consumer report. They are violating my rights. They said they VERIFIED this account. i would like to know how was this account VERIFIED if the court house said they don't share information. transunion violated my privacy.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (VA)

Hello, I never received any communication from this company. I didn't receive anything via mail or phone call. I found out about this collection account until it was already reported to my credit report. I tried to contact the collection company to address this and they were not helpful. How could they have reported this to my credit report without allowing me the opportunity to pay it before it went into my permanent report?
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OLD NATIONAL BANCORP (IL)

My bank, First Midwest Bank, was recently acquired by Old National Bank and the transition was finalized on XX/XX/2022, On XX/XX/2022 there were were 3 withdrawals for {$180.00} each from my checking account that I didn't make. I was never notified by Old National that these transactions occurred and they never notified me that my card had been suspended. Apparently after the 3 withdrawals the person who had a duplicate card, I'm assuming an employee of the bank cloned my card, tried to make credit card purchases and they were declined according to the person I spoke with at Old National. I found this out the next day XX/XX/2022 when I tried to use my debit card at my local Jewel and it was declined. The new card has never been out of my possession and I am the only person that knew my newly created PIN. I immediately logged into my account saw the 3 transactions for {$180.00} each all were withdrawals were from a XXXX ATM in XXXX XXXX and I knew I did not make them. I then called the bank and they assured me it would be taken care of. They also said they would send me another ATM card, which never arrived. On XX/XX/XXXX, I received a letter from Old National stating that the transactions were valid and they would not be reimbursing me. They never even called the XXXX XXXX police or the XXXX to pull video recordings of the person that withdrew the money from my account. If I had known they weren't at least going to do what I consider the bare minimum to trying to uncover what happened then I believe they should have to reimburse me for my loses. Below is a screen shot of the 3 transactions I'm contesting. 

XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL - {$180.00} {$1400.00} XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL - {$180.00} {$1600.00} XX/XX/2022 ATM XXXX  XXXX XXXX / XXXX XXXX XXXX XXXX XXXX IL ATM WITHDRAWAL XXXX {$180.00} {$1800.00} Thank you, XXXX XXXX
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management Inc. is attempting to collect a debt that was not authorized by me. It has been concluded that I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt collector has failed to This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I have requested that they stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA. 
I have sent via USPS certified mail a letter directly to Midland in response to their letter dated XXXX XXXX in which they claim I owe the debt. 
Midland Credit Management Inc. went to court and put a judgement against me, unlawfully. I have never had the opportunity to say my part, or respond to the action.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am writing to formally request the removal of unauthorized inquiries on my credit report as a victim of a recent data breach. Pursuant to FCRA 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), please block and delete the following fraudulent inquiries from my credit file : Unauthorized Inquiries to be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting you to request the blocking and deletion of the following account and associated inquiries from my credit report, as I am a victim of a data breach. This request is made in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Account to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries to Be Blocked and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit file following a recent data breach that compromised my personal information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my rights to have the following accounts and inquiries removed from my credit report. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX/XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX  XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Bankruptcy - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-21
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: EQUIFAX, INC. (PA)

I filed a timely claim regarding the 2017 Equifax data breach. I went as far as provide them a copy of my social security card and copies of my leases and they are still claiming to be unable to locate my credit file. These are all lies they are telling to avoid redressing their own incompetence.
Consumer complaint received 2024-10-30
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. (MS)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (CO)

My eldest brother keeps receiving harassing text messages from a collections agency. His name is not on any loan with me nor does he have any knowledge of a loan but he has received three text messages. The most current one states : XXXX XXXX Collector : * blank*, you took an important step toward resolving this acct. Continue at *blank* To optout reply STOP He received it today XX/XX/22. He wouldnt have been authorized if I did have debt. He is being harassed by this company
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (IL)

On XX/XX/2022 I made a purchase for a XXXX XXXX. I thought I was only going to be billed {$99.00}. Since this was and out of the country purchase the total came out to be {$120.00}. I thought with the conversion rate it would be {$100.00}. So I filed a dispute for the difference of {$20.00} with my bank Current. About a week later I noticed my membership was cancelled through the merchant. I talked with a current employee through their chat feature since the no longer have phone representatives. They chat employee told me they would close the dispute and I could file a new once since I no longer have access to what I paid for for filing a dispute for being over charged.Now today XX/XX/2022 current emails me and lets me know they have closed the dispute and I would not be getting a refund after I give them proof that their employee said in writing that I may file a new dispute since the merchant revoked my access to a {$120.00} course. They have stopped responding to my emails and refuse to acknowledge their word.
Consumer complaint received 2022-08-23
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. (LA)

I have no relation to this fraudulent account titled XXXX/DEPT OF ED ( Missouri Higher Education Loan Authority ) on my credit report. I have not received any service or product from XXXXDEPT OF ED ( Missouri Higher Education Loan Authority XXXX XXXX XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) is a fraudulent account and is inaccurately reporting on my credit report. I can not assume an account I know nothing of to be mine. Due to XXXX/DEPT OF ED ( Missouri Higher Education Loan Authority ) inaccurate reporting I am a victim of identity theft as someone in that organization is using my information without my authorization. XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, and I don't know who they are. After way too many attempts to contact them, they failed to disclose an agreement or reply. I addressed this matter to them in writing XX/XX/XXXX and sent a follow-up notice XX/XX/XXXX and another XXXX XX/XX/XXXX and still have not received a response. Within Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act and also My privacy and confidentiality is at stake because of this false reporting. IN REGARD TO XXXXDEPT OF ED ( Missouri Higher Education Loan Authority ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A. according to the section my rights of privacy are recognized. under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX/DEPT OF ED never had any instructions from me. 15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report. I never authorized XXXX/DEPT OF ED to make such reports. 15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. ( a ) duty of furnishers of information to provide accurate information. inaccurate information is being reported by XXXXDEPT OF ED. I NEED THIS ACCOUNT DELETED. 


I NEED THIS ACCOUNT DELETED FROM MY CREDIT REPORT
Consumer complaint received 2023-02-04
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. (MD)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX Balance : {$25000.00}