davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (TX)

RENT RECOVERY SOLUTIONS have violated my rights by Reporting this debt to my consumer report. 
According to USC 1692c ( c ) The law clearly states : IF A CONSUMER NOTIFIES A DEBT COLLECTOR THAT THE CONSUMER REFUSES TO PAY A DEBT, THE DEBT COLLECT MUST CEASE ALL COMMUNICATION. 
By reporting this debt to my credit report is a form of communication. Please CEASE all COMMUNICATION!
Consumer complaint received 2024-09-07
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. (CA)

TransUnion XXXX XXXX XXXX  XXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to National Data Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the national data breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 
In accordance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Reason for Dispute : Account created due to breach, identity theft, and unauthorized access. 

Metro 2 Compliance and Dispute Codes : Compliance Condition Code : XB ( Consumer Disputes This Information ) Dispute Reason Code : 103 ( Not Mine Fraud or Identity Theft ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts.

Implementation of a fraud alert and security freeze to prevent further fraudulent activity.

Provide confirmation that the accounts have been removed or corrected.

Attached are the necessary supporting documents, including an identity theft report and any correspondence related to this issue. As required by law, I expect a response and resolution within 30 days of receiving this dispute.

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In Accordance, with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.Thank you for your prompt attention to this matter.
Consumer complaint received 2015-09-12
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime (AZ)

I believe I was initially overcharged for my vehicle, it has since been repossessed because I lost my job & could no longer afford the payments.. The vehicle in question is a XXXX ... At the time I signed the contract on the vehicle I was desperate & really needed transportation for work, school & to take my kids to & from school ... I really believe the cost of the vehicle was over priced at {$8000.00} with interest the total came to {$12000.00} approximately.. The value of this car at that time I bought it was no more than {$1300.00}, current value approximately {$1000.00} Since the vehicle has been repossessed I have attempted to reach out to Drive Time multiple times with no success to discuss this matter. I just continue to get transferred around & told no one can help me or I 'm directed to call someone else.. I recently received I letter stating the vehicle was sold and I owe {$9700.00} for a vehicle that is only worth {$1000.00} per XXXX XXXX ... At {$160.00} biweekly payments I made for 7 months approximate cost out of my pocket {$2300.00}. I really feel this company has inflated the cost of the vehicle and are attempting to get XXXX times the amount for this vehicle from me & also from whoever they sold the vehicle to. I really feel I have been taken advantage of me as consumer ... I feel that without help from someone they will not sit down to discuss fair compensation I should pay for this vehicle, now that its no longer in my possession.. Can you please assist me with resolving this matter..
Consumer complaint received 2015-09-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OK)

I moved into my current house XX/XX/XXXX. Since then I have been receiving the previous owners statements from JPMorgan Chase. I have been returning the statements through the mail with XXXX written on the front with a line through the address. The statements continued to arrive so I called their customer support and was told to take the statement to a branch which I did. I continue to receive the previous owners statements and it is now XX/XX/XXXX.
Consumer complaint received 2015-09-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

Charges from gas stations were are on my card that were done by stealing my info and fraud I did n't do. Other charges that suppose to be refunded but as of today I do n't see the refund and charges yet. Charges XXXX that were disputed and nothing was done about them I need to make sure all monies were refunded from both Checking & Savings Acct.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion XXXX XXXX.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX  which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information TransUnion. 

Please delete the following accounts : XXXX. XXXX bal. {$22000.00} XXXX. XXXX XXXX XXXX bal. {$22000.00} XXXX. XXXX XXXX XXXX bal. {$1500.00} XXXX. XXXX XXXX XXXXXXXX ball. {$790.00} XXXX. XXXX XXXXXXXX XXXX bal. {$490.00} XXXX. XXXX XXXX XXXX XXXX bal. {$670.00} XXXX. XXXX XXXX XXXX XXXX bal. {$19000.00} XXXX. XXXX XXXX XXXX. {$1000.00} XXXX. XXXX XXXX XXXX bal. {$500.00} XXXX. XXXX XXXX XXXX  bal. {$1000.00} XXXX. XXXX XXXX XXXX bal. {$2700.00} XXXX. XXXX XXXX XXXX bal. {$2400.00}. Please delete the following inquiries : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: J & B Endeavors, LLC (FL)

Hi, good afternoon, I've been making payments to the Student Loan Movement since XXXX  in the amount of {$6700.00}, and none of the money has been paid to my federal student loans. I've contacted the XXXX XXXX XXXX XXXX ; they have never heard of this company. My federal student aid servicers are XXXX. They informed me that my loan got consolidated and transferred to XXXX, and neither have heard of them nor received any payments. My gut told me to dig deeper into this company, and I found out from online reviews that they are scams and fraudulent. I reached out to the Florida Attorney General 's office to file a claim and I was instructed to do the same through California since this company is stationed there. I would like to file a claim against this company for fraudulent transactions/activity. Thank you so much for your time and prompt response in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
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. (CA)

TransUnion XXXX XXXX 2000 XXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the national data breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Identification of Disputed Accounts : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX {$2100.00} Account Name : XXXX XXXX XXXX BANK - {$12000.00} Account Name : XXXXXXXX XXXX XXXX XXXX  - {$6400.00} Reason for Disputes : Account created due to breach, identity theft, and unauthorized access. 

XXXX XXXX Compliance and Dispute Codes : Compliance Condition Code : XB ( Consumer Disputes This Information ) Dispute Reason Code : XXXX ( Not Mine Fraud or Identity Theft ) FCRA XXXX ( XXXX U.S.C. XXXX ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts. 
Implementation of a fraud alert and security freeze to prevent further fraudulent activity. 

Provide confirmation that the accounts have been removed or corrected. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
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. (AZ)

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts are attached to the identity case I was involved with and instructed by the FTC to file a report- FCRA and this account is still not removed and notified that account will not be blocked. Transunion is still reporting this inaccuracy to my credit profile. 

Please see attachments that I sent in last month with the FTC report, Police Report and copy of the most update report by a different bureau. Please remove inaccurate information noted above that does not belong to me and remove from my Transunion credit profile immediately after reviewing relevant documentation.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/year>, I received notification that TRANSUNION CREDIT REPORTING AGENCY dropped my XXXX XXXX XXXXXXXX XXXX 

I reviewed my credit report and identified that there was a manufactured error being reported. A Glitch or systematic failure. It stated that my Current account was removed and renewed on my report.

Thereafter, I contacted CURRENT who informed me that they did not close nor remove the account. They stated that they only posted the positive payment history.

It clearly shows that the account is listed closed while in good standings. This is false.

Transunion is manufacturing credit scores in order to sell products to consumers who they feel isnt financially savvy. This manipulative tactic harms consumers and destroys credit bureaus trust.
Consumer complaint received 2024-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SOFI TECHNOLOGIES, INC. (NJ)

Received loan from Sofi. Interest rates on pre approval was 7 %. I received a interest rate over 15 % .My monthly payments includes 45 % of it being interest being charged. I make payments for princable and there still daily interest fees. I'm also unable to pay monthly payment before the due date. Can't schedule monthly payments ahead of time.This make it uneasy to keep obligated monthly payments for BORROWERS '.
Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (VA)

I am not liable for this debt with XXXX XXXX SYSTEMS. I do not have a contract with XXXX XXXX SYSTEMS. They did not provide me with the original contract. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Also according to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit without my permission. Please remove this item from my credit report.
Consumer complaint received 2024-09-07
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. (CA)

TransUnion XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Negative Accounts Appearing on Credit Report Due to XXXX XXXX Breach To Whom It May Concern, I am writing to formally dispute the inaccurate and negative information appearing on my credit report as a result of the XXXX XXXX breach. These negative accounts were not initiated by me and are the result of identity theft stemming from this breach. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX dispute guidelines, I am submitting this dispute under the following format for your immediate review and action : Identification of Disputed Accounts : Account Name : XXXX XXXX XXXX XXXX Account Number : Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Reason for Dispute : Account created due to breach, identity theft, and unauthorized access. 

XXXX XXXX Compliance and Dispute Codes : Compliance Condition Code : XXXX ( Consumer Disputes This Information ) Dispute Reason Code : 103 ( Not Mine Fraud or Identity Theft ) FCRA 605B ( 15 U.S.C. 1681c-2 ) : As per this section of the FCRA, I am requesting that these fraudulent accounts be blocked from my credit report immediately. In addition, I demand the following actions : Immediate investigation and removal of the disputed accounts. 

Implementation of a fraud alert and security freeze to prevent further fraudulent activity. 
Provide confirmation that the accounts have been removed or corrected. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and inform me of the outcome of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-09-07
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. (OH)

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-06-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (TX)

I HAVE ATTACHED BOTH EQUIFAX AND XXXX REPORTS IN REGARDS TO INCORRECT LIMIT AMOUNT AS WELL NO CREDIT REPORTING. 
XXXX XXXX XXXX : XXXX : LIMIT IS {$1000.00} BALANCE IS $ XXXX : **************** LIMIT IS {$500.00} BALANCE IS $ XXXX LIMIT IS {$450.00} BALANCE IS $ XXXXPLEASE UPDATE AND FORWARD ME A REVISE CREDIT REPORT COPY. 
THANK YOUXXXX XXXX XXXX
Consumer complaint received 2024-09-07
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. (OH)

In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. The following accounts have violated my rights : ( Collection ) XXXX XXXX XXXX XXXX ( Collection ) XXXX XXXX XXXX XXXX ( Collection ) XXXX XXXX : # XXXX ( Collection ) XXXX XXXX : # XXXX Upon reviewing my TransUnion credit report on XX/XX/2024, I noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual to whom the report relates ( 15 U.S.C. 1681e ( b ) ).

Furthermore, under 15 U.S.C. 1681i ( 5 ), it is stated that : ( A ) In general, if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the consumer 's file or modify it as appropriate, based on the results of the reinvestigation. 
( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the consumer 's file. 
Additionally, according to 15 U.S.C. 1681s-2, a person is prohibited from furnishing 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 2015-06-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (MN)

A U.S. Bank Visa credit card account was opened in my name by someone else who is impersonating me and stole my personal information and identity to apply for and opened the following U.S. Bank Visa credit card account : XXXX in my name. This is a fraudulent account opened by someone else who stole my identity. At the time the credit card account was opened, I was incarcerated from XX/XX/XXXX to XX/XX/XXXX. I have attached supporting documentation. This credit card do not belong to me.