davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

This company has been harrassing friends, family members and past employers. with fraudulent, ridiculous amounts owed on a title loan that was took out XX/XX/XXXX for the amount of {$2600.00} and with inflation and falsely reporting it's now saying owed is XXXX on all three credit bureaus, but this company reportedly closed and charged off {$2600.00}, they also charged off due to a national disaster. in another report. This company has fraudulent written all over it. XX/XX/XXXX this company hired an attorney to dispatch a processor to serve unknown papers to a past employer, this person came to the job serval times, and each time was rude and aggressive. with no luck at serving unknown documents the person threw the documents in the building and yelled you been served. This company is XXXX XXXX a.k.a wheels Financial XXXX.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-09-09
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)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} date opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Consumer complaint received 2024-09-09
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. (OH)

I recicived my TransUnion report and noticed some inquiries I did not authorize to be on my credit theses inquiries are not tied to any open accounts I've called multiple times to TransUnion sent in letters and they continue to ignore my request. I was told multiple times the account would be removed but nothing has happened a representative of the company told me to send in FTC report, and I did now I'm being told to do it again this isn't fair to my creditworthiness and is affecting me please remove inquiries from light stream XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681b states your agency needs permission to report anything on my credit report and I did not authorize these inquiries
Consumer complaint received 2021-03-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

so i had a Coinbase account from XXXX i used it alot as i was investing ang storing my savings on it using bitcoin, i had around XXXX $ on it. and at XXXX, they diabled my account, labeling it as it was " XXXX just temporarily '', then i contacted the support i told them about my problem but they didnt give me any solution, and from that day i kept sending tickets to the support team, day after day, but always they reply me by, CASE CLOSED, even if i have my money on it, they didnt give me access to my own funds which is basically an obvious fraud, since they can have access to it, and they didnt give me access to my own account, and untill now i still send them messages and tickets, but they either dont reply or they say again case closed, i seriously need my money back!
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

THESE INQUIRIES AND ACCOUNTS ARE NOT MINES!!! bro according to united states code 1695 and fair reporting credit act along wit fdcpa rights, any unauthorized and fraudulent activity must be removed and gone from reporting to my consumer report! Like I Have attached documentation of the letter that was sent to the furnisher on XX/XX/2021. They are still contacting me and this has shown up on my transunion, XXXX, and XXXX  credit report! I, XXXX XXXX XXXX IS SENDING THIS MESSAGE, IM NOT HAVING A COMPANY SEND THIS ON MY BEHALF!
Consumer complaint received 2024-09-09
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. (TN)

I am writing to formally express my concern regarding multiple disputed accounts on my credit report, which I have repeatedly requested be thoroughly investigated. Despite my previous efforts, no resolution or corrective action has been taken. These inaccuracies are significantly damaging my credit file and impeding my ability to manage essential aspects of my financial life. 

The negative impact of these errors has caused considerable hardships, and I urgently seek your assistance in rectifying this matter. I request that you promptly conduct a detailed investigation into the reporting of each disputed account and take all necessary steps to correct and update my credit report without further delay. 

Restoring the accuracy and integrity of my credit file is crucial for me to regain control over my financial stability, and I trust in your support and swift action to help resolve this matter. I would deeply appreciate your cooperation in resolving these issues as soon as possible. 

Thank you for your attention to this matter. I look forward to receiving confirmation of your investigation and the corrections made to my credit report.
Consumer complaint received 2021-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Consumer complaint received 2024-09-09
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. (SC)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Please Send updated Credit report XXXX XXXX XXXX XXXX XXXX {$4200.00} Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX Never Late Please Update paid off
Consumer complaint received 2024-09-09
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. (NV)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-07-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (PA)

I believe that I am owed a significant refund from Freedom Mortgage. I have called and email multiple times with no solution to my problem. I have attached copies of my closing costs, taxes from XXXX, XXXX insurance rate, and other misc. Documents that I believe will be helpful in rectifying the escrow errors. 

Please note that I reached out several times in XXXX and once in XXXX to clear up issues with my taxes, as well as multiple phone calls. XXXX XXXX who did my closing also reached out twice and she never heard back ANYTHING either. I had to do a lot of research, calls, and collecting information to figure out some of the issues on my own since I wasnt receiving the information from Freedom Mortgage. 

If you have any questions or need anything further please contact me at XXXX or XXXX. 

I need to get this cleared up asap so I would think 30-45 days from the date of this letter should be sufficient. Please note that since I have had this continued issue without anyone from your company apologizing or correcting the errors I will also be reaching out to a government agency to let them know of the problems with your company as well. I did try reaching out to XXXX  but still never heard a thing with my complaint with that avenue either.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2021-07-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

Hello I have always had trouble making payments on this car as the payment is high and Im single and support myself. But I do my very best. I tried in the past to get the amount lowered and they told me no after I submitted the paperwork two years ago proving I struggled to make the minimum payment. However I work in healthcare now and I had covid and have had horrible health issues since. I have been out of work with fevers and can not return per employee health. My XXXX was denied. I have no money coming in. I called a few times to capital one both XXXX and XXXX. XXXX was on hold over an hour so called twice. I cried on the phone with the representative. They know what a horrible situation I am faced with. I am trying to get ahead of this however they would only offer me partial payments or a payment plan. I made it clear that I have no money coming in. I can not pay them right now. I wanted to do put this months payment at the end of the loan. I am terrified of losing my car because I have to get to doctors appointments for my XXXX or the appeal could be denied. The appeal could take 45 days. I wont be getting paid anytime soon. I made this clear to them and they didnt offer me anything other than payment in the next 10 business days and I made sure to call before I was 30 days late on the loan. I am beyond stressed out and very sick. I am looking for a way to make this car payment more affordable and to get back on track. XXXX affected my health greatly and I just want to get everything back together. Thank you for any help you can bring me.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The bureau has done nothing to resolve any issue that I have presented to them at any time. Investigations have been longer than 30 days and no communication or resolve has been received. They violated FCRA laws 15USC1681 ( e ) ( b ) and have not ensured that my credit report shows accuracy at the maximum level. They further continue to violate FCRA 15USC1681b by reporting information that does not belong on my report. I feel completely violated and want remedy now.
Consumer complaint received 2021-07-19
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. (NC)

Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts below be removed immediately.
Consumer complaint received 2021-12-14
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: SYNCHRONY FINANCIAL (FL)

On the Dates below a creditor Synchrony Financial continues to inquire unauthorized 'Hard Inquiries ' on my credit report. All inquiries made by this company listed below are unauthorized 'Hard Inquiries ' : 'Hard ' Unauthorized Inquiries : SYNCHRONY FINANCIAL ( Finance ) XXXX XXXX, 2021 SYNCHRONY FINANCIAL ( Finance ) XXXX XXXX, 2021 SYNCHRONY FINANCIAL ( Finance XXXX XXXX XXXX, 2021 XXXX
Consumer complaint received 2021-07-19
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: EQUIFAX, INC. (NC)

Equifax has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Equifax because my character has been defamed. I demand that these inquires below be removed immediately.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello and good day! There are erroneous information on my credit report, this is really worrisome. My financial freedom is at stake and these errors halts the progress in achieving it, my credit applications are getting rejected because of these inaccuracies it's extremely stressing me out.
Consumer complaint received 2024-09-09
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$XXXX} per violation, for account listed without my expressed written consent.
Consumer complaint received 2021-07-19
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: Financial Data Systems (TX)

XXXXXXXX XXXX  XXXX ( XXXX XXXX XXXX ) always disguise their name to try and confuse people. This time it is Financial Data Systems XXXX They have placed the same medical bill ( XXXX ) as a collection on all 3 of my consumer reports. This bill is part of an open auto accident case that is not closed at this time. This is the 3rd time I have had to go through this with these fraudulent companies. I have no alternative but to file suit and publicize this information. These companies need to be stopped. 

Financial Data Systems XXXX has violated my right to privacy and placed the fraudulent account on my consumer report. I'm the consumer and I did not validate any of this.
Consumer complaint received 2021-03-14
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. (VA)

1 ) My credit application was approved on XXXX XX/XX/XXXX 2 ) Account totally paid off XX/XX/XXXX 3 ) I, Myself, closed the account ( not that the XXXX Credit card company closed it on XX/XX/XXXX!! 
4 ) the following was initially shown in the 3 credit bureaus ( XXXX, experience, Transunion ) reports : ( a ) all 3 credit bureaus the account have been paid in full and closed by the holder ( myself ) on XX/XX/XXXX ( b ) That the XXXX credit card company charged-off my account till XX/XX/XXXX!!!! 
5 ) after my first dispute and the investigation done buy the 3 credit bureaus, the following shoed on my report : ( a ) XXXX : adjusted the error and took off the charge-off totally because the account never have been charged of. 
( b ) XXXX  and Transunion : the reduce the Charge-off ( CO ) form all the way to XX/XX/XXXX and make it only for XXXX and XXXX of XXXX.!!!! which I disputed again and in progress. 
- However, how come that an account can ever be charged-off ( CO ) after it has been paid in full and closed by myself, the account holder!!?? which is what is appearing till now on the experience and Transunion reports. 
- Myself ( card holder ) and XXXX ( credit card company ) DO NOT disagree on what happened, but ironically enough that the remaining 2 credit Bureaus ( XXXX  and Transunion ) disagree with both myself and the credit card company and making up this " CHARGE-OFF '' ( CO )!!! and they are determined to XXXX up my credit, putting in mind that this is the only negative item on my report and used to have 17 credit card with " exceptional '' payment history ; I closed 11 and still the other 6 that I am keeping still have " exceptional ' payment history!!! So I just picked one of the credit account m which was opened only for 2 1/2 months, to XXXX up my entire credit history and my score. Can anybody gives me his brain here pls!!!!????? 
it is like I am guilty regardless if I presented the prove of my innocent as long as they decided what did occur and nothing to do with what actually took place and even both parties ( myself and teh XXXX CC agree on that did occur!!
Consumer complaint received 2024-09-09
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)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.