davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-29
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)

Recently I shopped for a vehicle ( XX/XX/year> ) and I was notified that my credit score dropped XXXX points for having 16 hard inquiries in 24 months. 

When I called Transunion customer service they advised me this XXXX point drop was usually consistent with missing several payments. I do not have missed payments on my credit report. 
They advised me to appeal the credit score drop- stating they would do it for me over the phone. It was never done. 

The score drop caused me to be denied for another service I applied for shortly after. 
Transunion 's score drop was excessive. thisi s not the first time they have done this and thier " algorithm '' is ineffective and flawed.
Consumer complaint received 2024-11-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (CA)

I closed my XXXX XXXX account due to fraudulent activities. I paid full outstanding balance {$720.00} to XXXX on XX/XX/XXXX over the several days of verifications. 
Yet they filed a delinquency on my credit report and hired a debt collector for {$100.00}, which they can not provide an invoice. 

My credit rating went below XXXX for derogatory marks and I can not resolve this with XXXX because I'm no longer their customer. Despite the multiple attemtps, XXXX is incapable of handing my accounts. I've suffered from crucial loss because my refinance efforts are rejected for low FICO score. As such, I demand punitive damage, a quick resolution, and restoration of my credit report. 

========================================================== Please see below for my dispute effort summary : Note there was fraudulent charge on my XXXX account for their lack of security measures. I suffered losing my phone service and number for many days. On XX/XX/XXXX I made a request to XXXX XXXX  ( debt collector ) and XXXX for payment verification but I have not heard anything except to wait XX/XX/XXXX. Not only I had to wait XXXX month for the payment verification, this collection appeared on my credit report driving down my XXXX score to XXXX. It made damages on my personal finance as I can not get a new credit. This incident was filed for CFPB complaint on XX/XX/XXXX ( Complaint ID XXXX ) On XX/XX/XXXX, XXXX ( Reference # : XXXX ) reached me for what it seems the duplicate debt collection. The below is their contact. I demand XXXX to discharge false debt collection claim immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX www.credit-control.com This incident was filed for CFPB complaint on XX/XX/XXXX ( Complaint ID XXXX, XXXX ) On XX/XX/XXXX, I made a file to Federal Trade Commission ( Report number : XXXX ) yet my credit history is not restored. 

On XX/XX/XXXX, I made a dispute with XXXX on collection record. 
On XX/XX/XXXX, I made a dispute with XXXX on collection record. 
On XX/XX/XXXX, I reached out to Diversified Adjustment for bill clarification. 
On XX/XX/XXXX, I filed another complain to Federal Trade Commission.
Consumer complaint received 2024-10-10
Product: Credit 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: Affirm Holdings, Inc (MO)

Unauthorized charges were applied to this account. I requested a {$50.00} loan plan using an Affirm Virtual Card, with the Loan ID XXXX. The vendor was listed as " Work. '' However, I disputed this charge because no vendor requested {$50.00}. Consequently, the loan plan should have been canceled because of the lack of purchases. Affirm agreed to applied {$40.00} back to my account and retained {$10.00}. Assuming XXXX an interest. I demand that Affirm refund {$10.00} due to the reason that Loan ID XXXX had no vendor requesting the dollar amount {$50.00}
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (MD)

I did not authorize these unauthorized fraudulent inquiries below PLEASE REMOVE THE FOLLOWING FRAUDULENT INQUIRIES FROM MY XXXXXXXX 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 My personal infromation was also exposed in the XXXX XXXX and my XXXX was leaked in national public data breach.
Consumer complaint received 2024-10-29
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. (TX)

I HAVE TRIED TO RESOLVE THIS MATTER ON MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX XXXX XXXX, Transunion, and XXXX. I HAVE INSURANCE ON MY JOB OF XXXX  YEARS AND NEVER HAD AN OUTSTANDING MEDICAL BILL. 
SO AS OF XX/XX/year> I REFUSE TO PAY THIS DEBT AND THIS IS MY NOTICE FOR A CEASE AND DESIST.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated.

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.

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!
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WY)

I have filed an ftc report on the negative inaccurate inconsistent fraudulent accounts listed in the dispute letters to XXXX XXXXXXXX, and equifax and requested them to validate the fraudulent accounts being reported and they keep verifying without doing an investigation.my ex wife XXXX XXXX XXXX used my identity without my permission when i was going threw XXXX in XXXX XXXX filed an ftcvreport and wrote an identity theft Affidavit against her.Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.these accounts are violating the fcra and keeping me from buying a home and a new car.i am demanding that they remove these accounts within 4business days of receiving this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.i am attaching the ftc report and the dispute letters I mailed to the bureaus.they are violating 15 usc1692 ( g ) and 15usc1681i. I haven't given them written permission to report these negative inaccurate inconsistent accounts.i have disputed over10 times and have filed numerous complaints with cfpb and XXXX equifax and XXXX keep reporting inaccurate information on my consumer credit report and is keeping me from buying a home for my children.please help me remove these fraudulent accounts within 4business days. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  social security number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX attached is my driver 's license and social security number and proof of address
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block/delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent, inaccurate, and false information consists of a personal accounts which are listed below 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  These accounts have resulted in several Fraudulent accounts appearing on my consumer credit report. I've attached a list of of accounts in question a well as a copy of the consumer credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my Equifax consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Consumer complaint received 2024-10-29
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, 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)

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a Capital One card and XXXX XXXX  was automatically billing me XXXX per month and the bill was sent by email paperless which I did not ask for and will never let happen again. My email server was XXXX XXXX is no longer in business and was informed this address was no longer good so I changed to XXXX. I had changed the automatic bill to my XXXXXXXX XXXX XXXX but charges for XX/XX/2024 XXXX were put on card XX/XX/2024 XXXX XXXX intrest XXXX no XXXX bill XXXX fee XXXX XXXX interest XXXX XXXX fee XXXX interest XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 credit account XXXX. I guess they wrote it off and put restricted on account. All because of paperless billing and I had overlooked address as I did not plan on using this card now. Tried to call Capital one and ask to help get my credit score back to XXXX and could not get anything accomplished no plain XXXX XXXX people I could understand nor I don't see how they understood me. This lowered my score XXXX XXXX. Every account they track me on says paid in full never late. Capital one had my phone number and did not to attempt to notify me. This has ruined my credit score!!
Consumer complaint received 2023-11-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-05-22
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: Experian Information Solutions 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. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 

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 2023-11-17
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. (CA)

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. 

Account Name : XXXX XXXX Account 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 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

I am writing to formally request the immediate removal of an erroneous account reported by loan servicer Dept of Ed/XXXX  , account number XXXX from my credit report. Despite my numerous attempts to resolve this issue over the past year through multiple disputes, Dept Ed ( XXXX ) has consistently failed to produce the original promissory note and instrument of indebtedness that validates this alleged debt. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to ensure the accuracy and integrity of the information included in consumer reports. Specifically, under 15 U.S.C. 1681i, credit bureaus must reinvestigate the accuracy of the disputed information, and if the information can not be verified, it must be deleted. XXXX 's inability to provide the necessary documentation to substantiate this debt clearly indicates that this account is unverifiable and thus must be removed. The failure to provide a promissory note and original instrument of indebtedness also contravenes the provisions under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., which mandates clear documentation and transparency of loan agreements. The absence of these critical documents raises substantial doubt about the legitimacy of the reported debt. Furthermore, the Federal Trade Commission ( FTC ) has repeatedly affirmed in various rulings that credit reporting agencies must delete unverifiable information. In the landmark case of XXXX v. XXXX, the court underscored the necessity of credit bureaus conducting a reasonable reinvestigation into disputed debts. The court ruled that failure to perform such an investigation or to correct inaccuracies constitutes a violation of the FCRA. This case sets a clear precedent for the requirement to remove unverifiable accounts, such as the one in question. Moreover, the case of White v. XXXX XXXX XXXX further emphasizes that consumers are entitled to accurate credit reporting and that credit reporting agencies must take action to correct or delete unverifiable information from their reports.
Consumer complaint received 2024-11-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

On XX/XX/year>, I was presented with a timeshare subscription offer in XXXX. My husband paid an amount of {$1500.00} USD as part of the agreement, but neither I nor my partner authorized any charges to be made in the United States. My partner, XXXX XXXX, was present that day. 

Despite this, the company has placed this account in collections in the United States, even though we never agreed to accept this debt under U.S. jurisdiction. No services from the subscription have ever been used, and we did not authorize any additional charges beyond what was paid at the time of signing in XXXX. 

Actions Taken : XXXX. We clarified that no authorization was given to process this debt in the United States. 
XXXX. We attempted to resolve the issue with the company directly to prevent the matter from escalating to collections. 

This situation has affected both my credit and that of my partner due to unauthorized actions by the company in a different jurisdiction.
Consumer complaint received 2024-11-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (CA)

On XX/XX/year>, I was presented with a timeshare subscription offer in XXXX. I paid an amount of {$1500.00} USD as part of the agreement, but neither I nor my partner authorized any charges to be made in the United States. My partner, XXXX XXXX XXXX, was present that day but was not involved in signing or agreeing to the subscription. 

Despite this, the company has placed this account in collections in the United States, even though we never agreed to accept this debt under U.S. jurisdiction. No services from the subscription have ever been used, and we did not authorize any additional charges beyond what was paid at the time of signing in XXXX. 

Actions Taken : XXXX. We clarified that no authorization was given to process this debt in the United States. 
XXXX. We attempted to resolve the issue with the company directly to prevent the matter from escalating to collections. 

This situation has affected both my credit and that of my partner due to unauthorized actions by the company in a different jurisdiction