davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
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. (NC)

I sent over an identity theft documentation and Transunion said my request is missing essential personal identifying information. File # XXXX Transunion also said I did not provide account specific information, such as the name of the creditor. They also said the description of my identity theft was too vague. Because of that I'm resubmitting with everything they requested. XXXX  XXXX by way of identity theft has given my information to Transunion, XXXX, XXXX and other unknown third parties without authorization. XXXX XX/XX/XXXX I signed a ( retail installment contract ) which created a blank endorsement without my knowledge. XXXX XXXX XXXX XXXX claimed they loaned me money. XXXX XXXX XXXX XXXX has to show me accounting/ ledger to have a valid claim. XXXX XXXX needs to provide the original contract as well. If not, this is considered identity theft which is whats going on. XXXX XXXX is using bait-and-switch techniques to secure funds. XXXX XXXX is using my name to secure funds that I do not owe and damaging my credit report. This is identity theft. 
XXXX XXXX XXXX XXXX also placed me as a co-signer when I am the principal on this account. Why did they do this? This is not a mistake when XXXX XXXX has a copy of each contract. I am not the co-signer on this account. If I dont cooperate with XXXX XXXX they damage my credit profile and my mothers XXXX  XXXX credit report. The fraud occurred on XX/XX/XXXX account number XXXX XXXX XXXX and XX/XX/XXXX for account XXXX ( XXXX XXXX ). XXXX XXXX has no standing within these accounts unless they can produce the proper paperwork. Im asking XXXX XXXX XXXX XXXX  to send a certified copy of the ledger signed under the penalty of perjury showing I owe them an alleged debt. I sent XXXX XXXX correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX dated for remedy. XXXX XXXX XXXX XXXX did not provide the ledger. Once again I requested the accounting to prove this loan to be true, nothing. XXXX XXXX has failed to provide me with proper documentation showing me the ledger that they loaned me money. According to **15 USC 1602g ( see below ). XXXX XXXX is using my name to coerce payment, damage my reputation through credit reporting, without my authorization. I sent documentation to capital one stating I want full disclosure on this account. XXXX XXXX sent the retail installment contract without full disclosure. XXXX has no proof that I owe any debt to them. As a result of that, XXXX XXXX is using my identity to cause harm through damaging my credit report like I mentioned above. XXXX XXXX does not have my consent to send my information to any third party.
Consumer complaint received 2024-09-27
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)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-09-27
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. (FL)

I reviewed my Consumer Reports and noticed that I had an account that reporting inaccuracy information, 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. for the account : XXXX XXXX XXXXXXXX Please investigate and provide Proof. If proof can't be provided I demand remove these account from my report they are hurting my ability to obtain credit. thank you so much.
Consumer complaint received 2024-09-27
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. (NY)

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. 

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 and list of Inquiries.

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 2022-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

XXXX XXXX XXXXPortfolio reported to all three credit bureaus that a debt of {$650.00} is owed. I have no knowledge of owing such debt. It failed to contact me prior to reporting such derogatory remarks to all three credit bureaus. The creditor failed to follow the Fair Credit Reporting Act. Please delete the item from my report.
Consumer complaint received 2024-09-25
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: Experian Information Solutions Inc. (FL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2022-06-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Advantage LNS Inc. (TX)

On XX/XX/2022 and XX/XX/2022 I called the National credit audit CO. And spoke to XXXX XXXX time, she was extremely rude and disrespectful towards me. When I asked for a manager she put me on a hold for 5 minutes and came back and said " no manager is there to talk to me ''. She was mildly rude to me when I was talking about my debt collection. When I asked when will a manager be in she said " I don't know they could be here or they might be on break '' when I called right when they opened. I then had a friend call and ask for a manager to see if she would treat them different and XXXX answered and wouldn't transfer the call to anyone. I have been trying to speak to someone else and she will not transfer me.I have also asked for documentation of my collection and she will not send it, I have also asked for a settlement agreement statement and she refused to send me one in writing.
Consumer complaint received 2023-10-04
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. (GA)

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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX has violated my rights. Or list of inquiries 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 2024-09-27
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. (MI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-25
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. (GA)

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 XXXX, 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 30 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, Experian, and XXXX data breach.
Consumer complaint received 2024-09-27
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. (IN)

I paid off my account and was later charged interest on the account when i contacted them the late charges and interest were removed and i was even sent a refund check but they refuse to remove the XXXX months delinquent marks on my credit report that says i was delinquent in XXXX or XXXX  and XXXX of XXXX  i have disputed it several times with transunion and they keep coming back as accurate and i contacted commity bank and they said there was nothing they could do Sincerly XXXX XXXX
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I am writing you because I saw some things in my credit report was inaccurate. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXX Account Number : XXXX Reason for Dispute : They reported a charge off to my credit report month after month, but the account has only bee charged off one time. This is inaccurate.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information.

" Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as it is required by law.
Consumer complaint received 2024-09-27
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. (TX)

Wh en trying to contract a vehicle through my credit via my signature and social security number. I stated clearly the this is a consumer credit transaction, no loan is needed when using credit My signature ( from the natural living man ) via 15 USC 1602 ( i ) creates the credit. I expressed this verbally to the finance manager yet here we are with multiple searches of my social # for a loan that I didn't ask for or apply for various Financial institutions on XX/XX/XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX. Then again on XX/XX/XXXX with XXXX in XXXX and finally several more times at XXXX XXXX XXXX XXXX on XX/XX/XXXX. All of the dealerships mentioned in the complaint were instructed not to search for an auto loan. The were instructed to utilize the credit acknowledged by the social security number. It is impossible to get a loan when there is no legal currency in circulation since 1933 ( HJR 192 ). The is only debt or credit, via HJR 192 I expressed these truths for reasoning of a credit transaction not an auto loan approval transaction. There were multiple inquiries on the same day in a malicious attempt to coheres me into paying with credit and cash for the same vehicle which is Fraud in the inducement.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX  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 in ( MONTHS REPORTING LATE ) 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 TRANSUNION 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 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently reviewed my credit report and noticed I have a collection on my report that is not mines can you please remove this fraudulent account from XXXX XXXX  of XXXX dollars was opened XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (AL)

After receiving an emailed alert from XXXX regarding negative information reported in my credit report, further investigation revealed that a so called lending institution listed me as delinquent in repaying a personal loan showing my name as a co-signer. 
I contacted the company and after having their legal dept return my call i was informed that they obtained my consent and signature by electronic means and NOT by personal contact OR appearance. 

since the loan was defaulted they have since sent me correspondence regarding this debt. 

I want to report this institution for unethical practices, fraudulently using my name to extend a loan without my consent or agreement to cosign such loan. 
GREENSKY XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-07-29
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. (CO)

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in XXXX XXXX in which I live. That way, you can travel here in order to defend yourselves. 

ACCOUNTS : XXXX XXXXXX/XX/XXXX XXXX.
Consumer complaint received 2024-03-06
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: EQUIFAX, INC. (MD)

I am writing to formally lodge a complaint against Equifax for their repeated failure to conduct a reasonable investigation into inaccuracies on my credit report. Given that I had just turned XXXX in XXXX, the same year as the Equifax data breach, I was not fully aware of credit reports and the importance of monitoring them frequently to ensure accuracy, I had just XXXX XXXX XXXX, I dont have any lines of credit, I was still a dependent of my mom and dad. Despite multiple disputes, Equifax has consistently provided vague statements and failed to furnish evidence of their investigations, abusing the dispute process and allowing inaccurate and disputed accounts to persist on my credit report. 

Specific Issues : 1. Equifaxs refusal to provide detailed evidence and results of the investigation after multiple disputes. 
XXXX. Requesting me to fill out a form for investigation results, contrary to the Fair Credit Reporting Act ( FCRA ) which mandates the provision of investigation results without consumer requests. 
XXXX. Contradictory information from Equifax representatives stating that they do not conduct investigations but rely on furnishers, a practice not in compliance with the FCRA. 
XXXX. As a victim of identity theft and the Equifax data breach in XXXX, my credit report has been marred by false information, causing substantial harm to my reputation and credit access.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am writing to address inaccuracies in my credit report regarding late payments. Upon review of my records, I have identified these erroneous late payment entries. I sent correspondence about this issue more than 30 days ago, but have not received any response or satisfactory validation of these reported late payments.