davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
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)

Please refer to complaint XXXX filed on XX/XX/2023. Transunion refuses to provide me with my consumer file. I have requested this information multiple times and I have provided identification via certified mail and via the CFPB portal. Transunion refusing to remove incorrect, inaccurate, and outdated information. Transunion can be held liable under the SEC ( Securities and Exchange Commission ). Transunion commission number is XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I will be filing the appropriate documents to audit consumer account. Transunion refuses to provide my consumer file but is securitizing my data.
Consumer complaint received 2024-01-16
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. (VA)

I have had fraud and identity theft accounts were open that I did not authorize by a family member, I was XXXX  and I have proof, I will upload my XXXX  dates and I have filed a report with the federal trade commission, I will like for these things to be removed from my credit report due to I was XXXX XXXX and did not give permission for anyone to open anything in my name
Consumer complaint received 2024-01-16
Product: Credit reporting 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. (DE)

Dear Transunion : Im responding to the verified no-change letter you sent me for collection account. 
1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXXXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. 15 U.S Code 1667b - Lessees liability on expiration or termination of lease XXXX Account Number : XXXX Please remove it from my credit report. 
4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. I previously disputed this account. I don't agree with the results of your investigation. Please mail me proof of your investigation or delete the negative information. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  8. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account is in violation XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 
9. Please investigate the reporting of this account to determine that it meets FCRA and FDCPA requirements and correct/update this inaccurate record on my credit profile. I was never late on this account. I always paid as agreed. 
XXXXXXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report. 
Based on your recommendation, I sent a letter to the collector asking for the proof of the debt but they never responded Its clear that the account is inaccurate because the collector did not send any valid proof. If they cant prove that the account is accurate, they can not report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 
Thank you Sincerely, XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting 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)

Dear Transunion : I have contacted the furnisher who placed these inaccurate inquiries on my credit report. I asked them to provide me with proof that I gave them authorization to pull my credit report. As of today, they have not provided with the proof that is required. 
Because of that they had no permissible permission to pull my credit reports. 
After researching on the internet, it states a company needs authorization to pull a consumers credit report. This company did not have that authorization. They have violated the law, and I will hold them accountable. Because of their violations, Im asking your company to follow the law and delete these unauthorized inquiries Here are the inquiries : 1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry. 
30 days should be enough time for you to complete your investigation on this matter. Also, once you have finished your investigation, please supply me with a full credit report and not a partial one. Im tracking all letters sent and received from you. If these inquiries are not deleted, then I press forward with complaints to the Attorney Generals Office and the Consumer Financial Protection Bureau. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Bread Financial Holdings, Inc. (PA)

On or around XX/XX/XXXX, I opened personal deposit products with Comenity Direct, now Bread Financial. For much of this time, transactional and security emails have been delivered to my spam folder on XXXX. The explanation provided by XXXX is that " The sender hasn't authenticated this message so XXXX can't verify that it actually came from them. Avoid clicking links, downloading attachments, or replying with personal information. '' I notified Bread Financial of this issue XXXX times, all with no response. The date of these notifications were XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The method of notification was by sending an email to XXXX, which is listed on the bottom of the transaction alert emails as well as on the XXXX XXXX XXXX XXXX and Deposit Account Terms page. Despite my own action of clicking " Looks safe '' and " Not spam '' in my XXXX account numerous times, as I can recognize these are legitimate emails from Bread Financial, new messages are continually delivered to the spam folder. Bread Financial does not offer monthly paper statements. Instead, paper statements are available only by request and seemingly with a {$5.00} fee. Therefore, I have no reasonable choice but to receive this information by email. Some of the emails which were affected are important security emails, such as a notification I received on XX/XX/XXXX after I removed the authenticator app verification requirement from my account. If this were not an action done by me, Bread Financial 's poor email practices could result in consumers facing a financial loss if they are not notified of fraudulent activity. It is my hope that this complaint puts the issue described above in front of the right team so it can be addressed appropriately. I will be attaching screenshots to support the information above. Thank you.
Consumer complaint received 2024-01-17
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

Im constantly called almost everyday sometimes by different numbers start with ( XXXX ) and never leave a voicemail. I asked for a dept validation letter sent to email XXXX and never received it to this email. The dept validation sent to a separate email contained extra charges onto my dept that is not included in my lease agreement for example the lease termination fee of XXXX and the pest control bill, carpet replacement, and cleaning charges. These charges are inaccurate. I included all the photos of how the apartment was left and my multiple maintenance request for the bug issues and how I attempted to pay my HALF of the rent and was denied to do that due to my secondary tenant XXXX XXXX refusing to pay and me being unemployed due to XXXX and on top of not being approved in time by the hope program to assist with the rent because the apartment refused to send over the required information. Please stop contacting me if its not to accurately verify this dept. if any additional proof is needed on my end please let me know
Consumer complaint received 2024-01-16
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)

XXXX BANK had 21 days to stop reporting all activity to the following agencies. 

XXXX, Transunion, XXXX and additional secondary bureaus. 

I have the right to privacy. And never once did I speak with the company and allow them to report my transaction history, payment history all of which should have remained private and not for to the bureaus for display and sell! 

This is unlawful sharing of private information. 

Here moving forward all of the bureaus mustn't report my private information any longer. The account must state paid as agreed and nothing else.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

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 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC (NV)

Back on XX/XX/2020 I went back to work after being furloughed due to covid. My hours were cut from 40 hours a week to 30 hours a week. This was due to covid and the pandemic.

My car company was aware of my hardship and had even notated my account as affected by covid. My fianc is in the entertainment industry. Hes been out of work and waiting on unemployment due to covid. So basically Ive been supporting a family of 5 by myself. I had advised Flagship and they were aware of the situation. In late XXXX I made a full payment. 
Theyd offered me an extension. When I called back in XXXX to verify it still hadnt been approved. So they advised they were requesting two extensions due to loss of hours and theyd place on end of loan. They never said anything about it hurting my credit. Instead they said to call back and verify if it was approved or not. So I kept calling and finally it was approved in XXXX. As long as I made a full payment. Please see attachments. 

Then came my credit. XXXX XXXX, 30 days past due. I disputed then it changed to XXXX. I disputed and now its changed to XXXX. I spoke with a Supervisor she advised it would be fixed. I wrote a letter only for them to write back saying its valid. 

In good faith I made an agreement based on my loss of hours because of covid. Now my credit has been adversely effected. They even took the comment off my account stating that Ive been effected by covid.
Consumer complaint received 2024-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC. (MI)

In XXXXXXXX XXXX XXXXXXXX, I began alignment treatment with the XXXX XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX has filed for bankruptcy, thus is no longer in business. I was unaware that this was a possibility when just a few months prior I requested for another extension of my treatment. Of course the worker helping me either, didnt know, or couldnt tell me, that I would not have the opportunity to continue treatment. In all honesty, I have received countless emails from XXXX XXXX XXXX to pay off my account early and to buy retainers before my treatment was finished, and no attempt to connect me with my supervising dentist XXXX XXXX about how to finish my treatment. When I described by concerns being a fit issue, I was recommended to file my aligners down when the issue was that they were too small ( Contacted them XXXX ). 
In XXXXXXXX XXXX XXXXXXXX, I was approved for my touch up, and I requested to receive a scan in XXXX, to avoid further fit issues. Those aligners never shipped, and my appointment wasnt scheduled, and the rest of that treatment didnt go well. By XXXXXXXX XXXX XXXXXXXX, I contacted both HFD XXXX XXXXXXXX because I couldnt access either account. I think this is concerning to me because XXXX XXXX HFD worked deliberately to only access my account for payment, but no value for me as a customer. Healthcare Finance Direct was only the payment processor for XXXX XXXX XXXX. I was unable to gain access to my XXXX XXXX XXXX account because the app shut down, and then couldnt gain access to my HFD account. I also reached out to HFD and Better Business Bureau to discuss my concern about continuing payments for incomplete treatment. I have also reached out to my credit card company to help, and they couldnt stop payments without the approval from HFD. XXXX has not reached out to me to help, but instead sent HFD to collect payments. I have been dealing with this issue for the last 5 months.
Consumer complaint received 2024-04-02
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: CITIBANK, N.A. (GA)

XXXX HAS ALLOWED BEST BUY A.K.A CBNA TO REPORT THE SAME ACCOUNT TWICE ON MY XXXX REPORT. BOTH ACCOUNTS FROM CBNA HAS THE SAME OPEN DATE XX/XX/year>., I WOULD ASSUME ITS IMPOSSIBLE TO HAVE TWO REVOLVING ACCOUNTS WITH THE SAME CREDITOR AND OPEN DATE. THIS ERROR IS ILLEGAL AND UNETHICAL. XXXX FAILED TO AN INVESTIGATION. CBNA FAILED TO PERFORM A INVESTIGATION. THE DUPLICATE ACCOUNTS HAS BEEN DAMAGING TO ME. REMOVE BOTH ACCOUNTS IMMEDIATELY. I CALLED CBNA THE REPRESENTATIVE CONFIRMED THIS WAS A DUPLICATE ACCOUNT USING MY CREDIT CARD NUMBER AS THE ACCOUNT NUMBER. SHE STATED IT WILL BE UPDATED, ITS NOT UPDATED
Consumer complaint received 2024-03-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC (TX)

On or around XX/XX/year>, my credit report was pulled for a mortgage application and a tradeline with this company appeared as a charged off account and sold to a third party debt collector. I contacted XXXX XXXX XXXX to find out about this tradeline as I had not opened an account with them because I had had an account with them many years ago that was taken care of but because of the issues I had I swore them off. Originally there were 2 accounts under XXXX on my report and when we discussed the issue, one account was deleted as fradulent, but this one has remained. I am aware of my financial responsibilities, but I am not happy about being responsible for a debt that I did not apply for. I have contacted this company multiple times and disputed them with all three credit bureaus and this debt comes back verified every time, but I have yet to receive anything from this company authenticating this account as mine.
Consumer complaint received 2024-03-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc. (WI)

This complaint is regarding the credit bureaus XXXXXXXX XXXX  and XXXX. 

They are reporting 3 charge offs which are Carmax finance XXXX for the amount of XXXX, XXXX XXXX XXXX for XXXX, and XXXX for XXXX. 

According to the IRS publication XXXX if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the 1099-c form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. I have never received my copy of my 1099-c so that I can file my taxes correctly. Income can not be reported on a credit report as a debt. 

This is also a violation of my privacy according to the privacy act of XXXX. I have been denied life insurance as well as car insurance due to the reporting of negative items from these bureaus. 

It is illegal to report transaction history. 

Per 15 usc 6802 a financial institution may not, directly or through any affiliate, disclose to any third party ( XXXX, XXXX, and XXXX ) any non public personal information, unless such financial institution provides or has provided to the consumer ( me ) a notice that complies with section 6803 of this title. I have not been provided with or given any credit bureau permission to disclose this information. 

According to 15 usc 6508 states that I have the option to opt out of any information being disclosed to the credit reporting agency ( third parties ) and I shall receive an opt out option every 30 days yet Ive never been given that option. 

According to the FCRA they need my written permission to report any of my personal information in which they were not given by me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have already filed a dispute with Equifax about accounts that have been charged off. I wrote a letter in the dispute saying that any charged-off accounts are now certification of indebtedness which is now income and income can not be reported on a credit report. Also, the account has been reported to my report recently. Which is a violation of The privacy of 1974, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1679c - Disclosures, 15 U.S. Code 6803 - Disclosure of institution privacy, and 15 U.S. Code 1681 - Congressional findings and statement of purpose. I will be attaching my letter and their response to just update instead of delete the account.
Consumer complaint received 2024-01-08
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: Experian Information Solutions Inc. (MI)

I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. However its been more then 30 days and the credit bureaus failed to send my investigation back. This is not making any sense! 

According to the law 15 U.S. code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information 's contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumers notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

collection agency has not provide valid information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they have placed a collection on my consumer report.

i have not been given the chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) collection agency is violating my consumer rights by using false misleading information and deceptive means and practices collection agency has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violations of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( a ) date open XX/XX/2024 creditor name is XXXXXXXX XXXX XXXXXXXX ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT BALANCE : {$260.00} ACCOUNT NUMBER : XXXX