davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (CO)

To may whom concern I have requested to all three credit bureaus my credit report, and I found inconsistencies in my reports so I asked to initiate investigations and disputes against this inconsistencies however, after the investigation state stated everything was accurate. I still went ahead and continue to investigate myself and I still see this inconsistencies on my credit report. Even after their terral research. In accordance with fair credit reporting act all of these inconsistencies, has violated my rights 15 U S C 1681 section 602 states that I have the right to privacy 15 15 U S C 1681 section 604 A Section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions. Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-20
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. (GA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

I attempted XXXX or XXXX times to register online account to get my credit report and freeze credit because of the recent social security breach. Each time I completed the registration and 'submitted ', I got error message 'Try again later '. I called Equifax XXXX and after XXXX minutes on hold, I got an agent. We went thru the process again, and this time it would not accept my password... ..'try again later '. I asked for my credit report to be mailed to me. I was able to register, download credit reports and make a dispute with XXXX and XXXX with no trouble. I am afraid to do a credit freeze with Equifax because I would never be able to remove it. Many complaints on their website for a few years and they are still a mess! They are responsible for sensitive info and have no responsibility!!
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (WA)

In XX/XX/2023 the balance on my car was {$280.00}. Previously I have been making monthly payments of XXXX. Today I saw {$440.00} had been deducted from my bank account, despite the remaining balance of only {$280.00}. I spoke with XXXX at Toyota Financial ( www.toyotafinancial.com ). She said because I had not cancelled my payment information I would continue to be charged {$440.00} every month, forever, even though I have paid the balance on my car. I had never before been told I needed to cancel my bank account to stop the automatic payments. I assumed the automatic payments would stop when the balance was paid, and that I would not be overcharged.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, and 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 an 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 2024-08-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona, XXXX XXXX XXXX XX/XX/XXXX XXXXTransUnion Consumer Solutions** Subject : Request for Fraud Block and Removal of Fraudulent Accounts Dear TransUnion, I am writing to request the immediate placement of a fraud block on my credit report and the removal of several fraudulent accounts that were opened in my name without my authorization. My previous request was not accepted due to the following reasons provided by your office : 1. Missing essential personal identifying information.

2. Lack of account-specific information, such as creditor names, account numbers, or other details.

3. The description of the identity theft was too vague and did not include specific dates related to the fraud.

I have provided the necessary information below to rectify these issues : Personal Identifying Information : - Full Name : XXXX XXXX - Date of Birth : XX/XX/XXXX - Social Security Number : XXXX -Current XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # Fraudulent Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - Open Date : XX/XX/XXXX XXXX. **XXXX XXXX XXXX** - Account Number : XXXX - XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account Number : XXXX - Open Date : XX/XX/XXXX # # # Description of Identity Theft : These accounts were opened without my knowledge or consent, and I first became aware of this fraudulent activity on XX/XX/XXXX. The dates of the fraudulent account openings are listed above, and I request that these accounts be blocked and removed from my credit report immediately. 

Please consider this a formal request under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft laws. I have attached copies of my identification and any additional documentation needed to process this request. 

Thank you for your prompt attention to this matter. I look forward to your confirmation that these fraudulent accounts have been removed from my credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-06-16
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, and 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 an 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc. (NH)

I tried too many times to request to delete out of my credit bureau this closed acct with XXXX  balance from XXXX  XXXX  and Credit collection Services i didn't know that police was under my name until today XX/XX/XXXX because my ex husband XXXX XXXX he set up everything for me under my name and him as a driver and that acct was sent to the collection agency on XXXX and i paid in full the amount {$270.00} and now the balance is cero but still is appear on my credit bureau affecting me to buy a house or increase my credit score, I'm really worried about because is not fear that and now i don't know how those company 's don't want to help me to remove that.

I'm hopping to get a great result about this and finally get out of my credit bureau this acct in XXXX  balance. 


Sincerely,
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN/Closed ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX - XX/XX/XXXX - XXXX - XXXX recently requested for this account to be deleted from my credit report due to inaccurate reporting. On one report, it states that my last payment was made on XX/XX/XXXX when the others state XX/XX/XXXX. Also, it reports my XX/XX/XXXX days late as XX/XX/XXXX when my other reports show XXXX. The account continues to update as a balance reported affecting my account as a recent derogatory when the account is closed and inaccurate for payment reporting.
Consumer complaint received 2015-11-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Blackhawk Finance (IL)

I had an auto loan with a company called Blackhawk Auto Loans. After only 2 month of paying on the vehicle it got totaled. After insurance paid for the amount it was worth there was a {$600.00} balance remaining and I sent a check to them the same week to pay it off. After just trying to get a loan again for a new car they were n't able to because Blackhawk Auto Loans took a very very long time to process the check it shows that I left my auto loan unpaid for over 4 months. Now Blackhawk Auto Loans are no longer in business and the phone number they provide to get information about the company that bought them out is out of service. I can not find anything to help me fix this and my credit is terrible now.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX - XX/XX/XXXX - XXXX - XXXX recently requested for this account to be deleted from my credit report due to inaccurate reporting. On one report, it states that my last payment was made on XX/XX/XXXX when the others state XX/XX/XXXX. Also, it reports my XX/XX/XXXX days late as XX/XX/XXXX when my other reports show XXXX. The account continues to update as a balance reported affecting my account as a recent derogatory when the account is closed and inaccurate for payment reporting.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

The balances on 6 open accounts are inaccurate. I have filed multiple disputes but the information still is being reported inaccurately. Both XXXX XXXX account balances are incorrect as they both have a {$0.00} : balance and have had the balance for 3 months now. Also both XXXX XXXX accounts have a {$0.00} : balance as well. XXXX has a balance of {$110.00} and XXXX have also been paid off and have a {$0.00} : I reported these inaccuracies to Equifax on XX/XX/XXXX and they have not responded. 
In accordance with the Fair Credit Reporting act the list of accounts mentioned have violated my federally protected consumer rights by reporting inaccurate information.
Consumer complaint received 2024-08-20
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 2023-04-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FREEDOM FINANCIAL NETWORK (PA)

Summer of 2021 i was looking to consolidate my debt and found Freedom Debt Relief @ XXXX. I was advised that I didn't qualify for a consolidation loan, but that they would get my creditors to accept lower payments and settle my balances. I had to start with agreeing to a {$430.00} per mos payment to FDR. This was automatically deducted from my bank account. Very slowly I started receiving notices of creditors settling for a lesser amount and I was to approve it. This went on for over a year, I would receive notices that accounts had been paid off out of the funds I was paying. To move this along, I received notice that all of my accounts had been settled. Now, I qualify for this loan to pay off my debt to ACHIEVE, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. The loan is for thousands more than my debt ever was, they are taking payments over {$100.00} more a month at a crazy interest rate. Now, after I received notice that ALL my creditors had settled i receive a demand letter from the Credit Union I owe the largest amount to. Not, just once. But twice same letter a month apart. I have reached out XXXX Achieve several times by phone and email without a valid response to my question of why am I receiving a demand letter for an account I am paying on???
Consumer complaint received 2023-03-20
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. (AZ)

The accounts listed below are in direct violation of Federally protected rights under the FCRA. These debt collectors are committing fraud pursuant to 15 USC 1681. All three credit bureaus are violating my rights pursuant to 15 USC 1681 by reporting inaccurate information to my credit report. The debt collectors below are trying to obtain a debt that original creditor, XXXX XXXX has reported 100 % paid in full with 100 % on time payments with the original accounts closed in good standing. TransUnion and XXXX both show in my closed account section the original creditor showing this information of 100 % on time payments with 100 % of the original loans paid in full and closed in good standing. Investigate the completeness and accuracy of every piece of information of the accounts listed below. If its not accurate, please remove the account from my credit report immediately. 

Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXX XXXX  Account number : # XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I recently purchased a copy of my consumer credit report and learned that I have several unauthorized hard inquiries hurting my credit file. I did not authorize anyone to mis-report or fraudulently use my social without my CONSENT for any PURPOSE. These hard inquiries should not be on my credit file. 

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
Consumer complaint received 2023-05-09
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. (NY)

To Whom it May Concern : I sent out letters on behalf of the accounts listed below for inaccurate information : XXXX XXXX XXXX  XXXX Account Ending XXXX XXXX XXXX Bank XXXX Account XXXX XXXX Department of Treasury Account Ending XXXX XXXX XXXX Bank Account XXXX XXXX XXXX Bank Account Ending XXXX XXXX  Account Ending XXXX  XXXX XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXXXXXX Account Ending XXXX The Bank of XXXX I saw that 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-03-20
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were listed in my file without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The ending balance should have been {$55.00} instead of the current bal ending XX/XX/XXXX as two additional credits appeared before the ending of the statement. When I tried to contact him about it I was put on all and hung up on more than three times.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The economy is bad and so is my credit report which is way much worse, which has inaccurate information on it causing me immense stress. Didn't know upholding my rights as a consumer is this frustrating it's making me depressed, I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2024-08-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CO)

I spoke with a representative with the Columbia Debt Recovery LLC dba Genesis ; I have a debt from an apartment complex that is in dispute. When I spoke to " XXXX '', he told me " He would run this up the chain to the higher-ups, but just the fact that I'm disputing the debt is seen as evading payment and that if I don't pay the {$1000.00} that is owed right now, he can then add additional charges from the apartment complex onto my account totaling {$2700.00} ''. 

I should be allowed to dispute a debt without being threatened with more debt.