davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
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. (FL)

Dear XXXX XXXX XXXX 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.

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

Notification to Other Collectors 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 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX credit card, auto loan # XXXX and # XXXX, XXXX XXXX are included in bankruptcy XXXX yrs ago so violation bankruptcy law reporting reporting late payments anything after 2020. Remove late payments and charge off comment, against federal law Edit Delete
Consumer complaint received 2024-08-17
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. (NY)

To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that appear on my credit report. These inquiries were made by companies without my knowledge or authorization, and as such, they are in violation of XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports. 

The inquiries in question are as follows : XXXX XXXX XXXX : XXXX. XXXX, 2023 XXXX XXXX Inquiry : XXXX XXXX, 2023 XXXX XXXX XXXX XXXX : XXXX XXXX, 2023 XXXX XXXX, XXXX XXXX : XXXX XXXX, 2023 Under XXXX XXXX Code XXXX, consumer reports may only be accessed under specific permissible purposes, such as when I have applied for credit, employment, or insurance, or in connection with a legitimate business transaction initiated by me. I did not authorize or initiate any transaction with the companies listed above that would warrant these inquiries. 

I respectfully request that you investigate these unauthorized inquiries and remove them from my credit report immediately. Enclosed with this letter is a copy of my credit report with the unauthorized inquiries highlighted for your reference. 

Please confirm in writing that these inquiries have been removed and that my credit report has been updated accordingly. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of these inquiries from my credit report. 

Sincerely,
Consumer complaint received 2024-08-18
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. (LA)

Name : XXXX XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections XXXX on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-18
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. (GA)

I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that this payment were late. If no proof can't be provided I demand this payment to be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am sending this request to formally dispute the accounts that appears on my credit report. These accounts are incorrect, and I request it immediate deletion to reflect the accurate state of my credit history. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report and expect a resolution within XXXX  days. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX XXXX XXX Balance : {$340.00}
Consumer complaint received 2024-08-18
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Klarna AB (SC)

I WOULD LIKE A REFUND AND THESE COMPANIES TO RESPOND BETWEEN AND STOP TAKING OUR MONEY FOR NO REASON AT ALL. I WOULD LIKE A REFUND IF MY MONEY BACK AND THIS TOOK OFF MY KLARNA ACCOUNT.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (VA)

Hello - Santander bank gave me a 27.99 % interest rate Currently I have a XXXX XXXX XXXX XXXX and owe around {$22000.00} and had the vehicle since XXXX. My car note is {$550.00} per month, and the car is only worth {$7000.00}. Several dealerships have informed me my interest rate is extremely high and Santander took advantage of me. Can someone please look into this? 

Thanks in advance for your help XXXX XXXX XXXX
Consumer complaint received 2024-08-18
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. (NJ)

I am disputing these agencies claim : ( XXXX XXXX XXXX XXXX # XXXX ; ( XXXX XXXX # XXXX ; And I am requesting validation from you pursuant the Fair Debt Collection Practices Act,15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). Provide breakdown of fees including how you calculated what you claim I owe. Then Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which Im allowed under the FDCPA. TransUnion has continue to report this on my credit knowing they did not receive proper documentation neither did the consumer receive documents for these account to be added to my report.
Consumer complaint received 2024-07-25
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. (KY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-02-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (MN)

On XX/XX/2021 I was charged again for a transaction that I already paid for through the company on XX/XX/2021. I reached out to the merchant and the company regarding the refund. The merchant is willing to fix the refund but the company has not move forward with the dispute since 4 months ago. Ive reached out to the company several times over and over, the only thing I am offered is for someone to get back to me via email that I have not received within 4 month.
Consumer complaint received 2024-08-18
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)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX. XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2021-04-30
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. (NY)

This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!
Consumer complaint received 2024-08-17
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. (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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I am writing to inform you that my identity has been compromised, and certain accounts and transactions have been falsely attributed to me without my knowledge or consent. I have become a victim of identity theft and have taken immediate action by reporting the incident. This issue has caused me significant distress and concern, as it has had a detrimental impact on both my financial well-being and personal reputation. 

I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2021-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (MD)

I have never had an account or contractual agreement with the company AR Resources. I never received any documents via mail from this company, never spoke to anyone from this company and I do now owe this company any money! I have disputed this with XXXX  and it is the only credit reporting agency that has not removed the this account that was never mine from my report.
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ECMC GROUP, INC. (FL)

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account. Delete this on my report as it really affects my credit standing.
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (UT)

Im extremely frustrated in working with vw credit. I leased a vehicle XX/XX/XXXX and decided to buy it out around XX/XX/XXXX. My credit union  sent them the payoff and I received confirmation that the loan was paid in full. I bought a new car from XXXX in XX/XX/XXXX and XXXX XXXX the Volkswagen. I got a phone call from my credit union saying they were unable to get my title and that I needed to contact VW. I contacted them XX/XX/XXXX and they asked me to resign some paperwork which I did and never heard anything. Fast forward to today XX/XX/XXXX after speaking to the XXXX dealer who said they still cant get my title. I called VW. VW needs me to resign the same paperwork. Im extremely upset about the process because the car is no longer in my possession and VW has never followed up with me through the entire process. The only reason Im finding out there is issues is through my other lenders. I honestly feel like VW would keep the title forever had I not been alerted from my credit union. There should be no reason they have my title for almost a year after pay off.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

I was a victim of XXXX XXXX  and debt bondage. 
I am seeking help on my situation where my credit report reflects an outstanding debt that I strongly suspect is connected to a case of debt bondage. The circumstances surrounding this debt raise serious ethical and legal concerns, as it may involve fraudulent or coercive practices that have led to an unjust and burdensome financial obligation.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$2400.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX XXXX  # XXXX : Balance : {$7000.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$36000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Balance : {$25000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$24000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$14000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$10000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$7400.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$3000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$630.00} : Date Opened : XX/XX/XXXX Account Name : XXXX : Balance : {$630.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Balance : {$0.00} : Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-04-30
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (PA)

I did not authorize my bb & t or suntrust/truist to temporarily credit my checking account prior to depositing my stimulus checks. Both times had they processed my paycheck deposits correctly and not 3 days after the fact there would have been no negative balance. And even before that the fact that it takes 4 days for my account to reflect my paycheck is absolutely insane. ( My paycheck is from a bbt business account which makes even less sense why it delays ) And trying to see someone at the bank this entire time has proven even more difficult when they change up hours constantly and only has drive through and a line where you wait sometimes an hour just to see a teller. I don't have time to call and or wait around. I understand overdrafts happen and every paycheck I pay that balance. The first time they did this I paid back the entire negative when they took back the first credit I didn't agree to and now again for the 2nd time my account is XXXX and had no idea.