davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-21
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. (NJ)

To Whom it May Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name : XXXX XXXX Auto Account Number : XXXX Account Balance : XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Account Balance : {$660.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Amount : {$610.00} Account Number : XXXX Account Name : XXXX XXXX Account Balance : {$940.00} Account Number : XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Bank has violated my rights by reporting a late payment in XX/XX/XXXX. 

According to law 15 U.S. Code 1666 b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please update the late payments to current immediately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Original Balance : {$440.00} Date Opened : XX/XX/XXXX The following Inquiries reporting are unauthorized. Please remove from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You
Consumer complaint received 2023-07-21
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. (NJ)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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. (TX)

According to the Fair Credit Reporting Act- A consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.

15 U.S. Code 6803 - Disclosure of institution privacy policy.

15 U.S. Code 1681- Congressional findings and statement of purpose 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX XXXX credit card shared my credit information with a collection agency name '' XXXX XXXX '' without my permission.The account number is XXXX. I would like to remove the damages that has been reporting to my credit report.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc. (NC)

XXXX - After checking my XXXX XXXX account online I came across a change that was reported by one of my creditors, Total Credit Card by XXXX XXXX XXXX , stating that my credit card account with them was " closed. '' XXXX - I instantly contacted Total Credit Card and spoke to a Supervisor by the name of XXXX XXXX XXXX ). She stated that the account was closed on XX/XX/2023 because a credit repair agency reported a " fraudulent application claim '' regarding my account, therefore, they ( Total Credit Card ) decided to close the account. I shared with her that the date I came across was XX/XX/2023, not XX/XX/2023. She didn't respond. Call ended! XXXX - I received a correspondence in the mail, dated XX/XX/2023, from Total Visa Card , stating the completion of their investigation and their decision to close my account due to " my fraud application correspondence '' received. I'm extremely disappointed with this creditor. I have never initiated such, and there's nothing that I've disputed of this magnitude that involves any type of fraudulent application on my behalf. I've not dismissed or disputed ownership to this account. I applied for this credit card account, in hopes to assist in building my credit history and credit score. But, after receiving such a disturbing and disruptive correspondence in the mail, I'm lost for words regarding something that was intended to help me moving forward. XXXX to the present & ongoing - This closed account, which was supposedly reported only to XXXX XXXX not XXXX and XXXX has impacted my credit & credit score negatively. The account balance was being paid down recently, but Total Credit Card is reporting an increase of {$180.00} which also increased the credit utilization by 17 %. And because of this, my credit score instantly dropped a -38 points due to this false reporting. This false reporting has caused me great damage to my credit overnight. It's frustrating to try and get back to normality when all of a sudden, without any notice, my account with Total Credit Card closes and there are mixed signals circulating in all directions, not knowing what's going on. Total Credit Card closed my account behind a reason that I have not initiated or took part in. I have no knowledge of these accusations ( fraud application correspondence ) that were set before me and caused my account to close, and my credit report/credit score to be damaged and affected negatively. ****I have never came across such a callous group of people. It's striking to see how insensitive these people are. They have control issues over your credit and what they're able to do to intentionally destroy you, even with false claims. They will go through any measure of impacting your life, negatively and drastically, if they're given the authority as a creditor, abusing the system.
Consumer complaint received 2023-07-21
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

Today i looked at my experian report and saw that the name and address were incorrect on the report. XXXX and XXXX from experian informed me that they could not remove the address because the company has the address to the mailing addresses that are on file. No creditor should not reporting to an address that XXXX have not given them. I have never called experian and reported the addresses that are on file and the name that they are using is not my name. Ive asked them to fix this issue and they will not fix it.This is identity theft they are selling my information incorrectly and saying that they cant fix it.
Consumer complaint received 2023-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

XXXX ) Barclays out source there customer service dispute department to the XXXX. The attended did not properly take my complaint. 
XXXX ) I purchased a coach airline ticket with XXXX XXXX. I checked in online before my flight. Soon after got an email saying that I can enter an auction to fly business class, It said ill be refunded if I did not win. I entered the auction was charged {$880.00}. I did not win. I was OUTBID. 
XXXX ) I have disputed with the credit card company. All communications are attached. 
XXXX ) I did fly with XXXX coach. 
XXXX ) I tried to also resolve with XXXX XXXX but I am not fluent in Spanish. 
XXXX ) I filed my unauthorized fraud scam with the credit card company, within 30 days from when i received the credit card statement.
Consumer complaint received 2023-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (OH)

I've sent the credit Bureaus letters to verify the debt on my credit report. In response the credit Bureaus have looked into the matter and sent back reports saying, they have verified all the debts correctly. However, my credit report is still showing inaccuracies. I have highlighted the inaccuracies on my credit report. You will see the dates don't match up and are inconsistent from, ** Date Opened, Last Reported, and Date Last Active. ** The inaccuracies below- * XXXX XXXX XXXX : Account Number : # XXXX For all 3 credit Bureaus * XXXXXXXX XXXX XXXXXXXX XXXX Account Number : # XXXX On XXXX Credit Bureaus Report *Affirm Inc - Account number XXXX *Affrim Inc- Account number : XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. 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 2023-07-20
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. (OH)

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 2023-07-21
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. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  Balance : {$7100.00}
Consumer complaint received 2023-05-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (ME)

Dear PayPal Team, I am writing to you today to appeal the permanent limitation that has been placed on my PayPal account ( email address : XXXX ). I believe that this limitation has been placed on my account by mistake and I would like to request that you re-investigate my case and restore my account if possible. 

Firstly, I would like to state that I have not violated any PayPal policy. I have always used my account in accordance with PayPal 's terms and conditions and have never engaged in any fraudulent or illegal activity. Therefore, I believe that the limitation has been placed on my account in error. 

Furthermore, I would like to emphasize that my PayPal account is an essential tool for me to carry out my daily business activities, and this limitation has caused significant disruption to my operations. As such, I would greatly appreciate your prompt attention to this matter. 

I kindly ask that you reconsider your decision and conduct a thorough investigation into my account activity. I am confident that once you have done so, you will find that my account has been unfairly restricted. 

Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Upon review of my recent Credit Repot from TransUnion, I noticed a negative item reported by XXXX XXXX. On XX/XX/2023, I sent a dispute letter to TransUnion to resolve this matter, and 30 days has passed with no investigation. TransUnion is now in violation of federal and state law under the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). As you TransUnion has now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf will result in a small claims action against your company.
Consumer complaint received 2023-07-21
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. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-07-21
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. (FL)

This is my 16th 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 records 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-13
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: Experian Information Solutions Inc. (TN)

I was deeply upset to discover unauthorized inquiries on my credit report tonight, with no explanation as to why they appeared. My routine credit check revealed these discrepancies out of nowhere, and despite refreshing my browser to see if it was a glitch, the issues persisted. I'm asking for a careful examination of the documents I've submitted to ensure I no longer have to worry about this happening again.
Consumer complaint received 2023-03-17
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. (KS)

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXXXXXX ac # XXXX XXXX XXXX XXXX  ac # XXXX XXXX XXXX XXXX ac # XXXX Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d Legally Permissible Purposes. The FCRA allows a consumer reporting agency to furnish a consumer report for the following circumstances and no other : 1. In response to a court order or Federal Grand Jury subpoena.

2. In accordance with the written instructions of the consumer.

3. To a person, including a financial institution, that the agency has reason to believe intends to use the report as information for any of the following reasons : a. In connection with a credit transaction involving the consumer ( includes extending, reviewing, and collecting credit ) ; b. For employment purposes ; 8 c. In connection with the underwriting of insurance involving the consumer ; d. In connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality that is required by law to consider an applicants financial responsibility ; e. As a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; Use of Consumer Reports for Employment Purposes Section 604 ( b ) ; 15 U.S.C. 1681b ( b ) Section 604 ( b ) has specific requirements for persons, such as financial institutions, that obtain consumer reports of its employees or prospective employees prior to, and/or during, the term of employment. The FCRA generally requires the written permission of the consumer to procure a consumer report for employment purposes. Moreover, the person must provide to the consumer in writing a clear and conspicuous disclosure that it may obtain a consumer report for employment purposes prior to procuring a report. 
Prior to taking any adverse action involving employment that is based in whole or in part on the consumer report, the user generally must provide to the consumer :
Consumer complaint received 2023-07-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Driveway Finance Corporation (PA)

I checked my contract and called the company over a month ago to check on the process of finalising the loan and obtaining a title agreement and was told that once I paid I would receive my lien release and title in the post. There was no mention of a delay in the time it would take for this to happen. 

I called last week and a customer service representative told me that it would take 8 to 10 weeks for XXXX to process my title. I called back and was told the process could take 4 to 6 weeks. The representatives were rude and at that time I was told I would receive no notification or confirmation of paying this off. 

I paid off the loan on Monday XXXX XXXX. The customer service representative then told me that Driveway finance corp take 21 days to release the lien to XXXX to ensure that they have actually received the funds. I have spoken with two representatives and they themselves are confused as to why the lien is not being released immediately on the electronic lien release system that is required by law in Pennsylvania. 

I have asked for something in writing as this is not in my contract and isnt online. 
I would like my lien release as I have paid for the car in full and need to sell it. The emails have been ignored.
Consumer complaint received 2024-08-27
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. (GA)

1. Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account Im asking you to verify as accurate : XXXX XXXX XXXX - Account # : XXXX