davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
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. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX Balance : {$1500.00} XXXX XX/XX/2023
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
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: Valon Technologies, Inc. (TN)

On XX/XX/XXXX2024 of this year I had come across an individual by the name of XXXX XXXX. This woman claimed that a majority of mortgages are in fact fraud and have been paid by the original promissory note. Her example of proof was a supreme Court case ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). She held a mentoring class which cost {$1000.00} and she explained how her claim and the governing system works. I am XXXX with XXXX kids and a wife who stays home with our children and I explained to XXXX XXXX on a one on one phone call that I am the only source of income and we live paycheck to paycheck and could not afford her class. XXXX XXXX assured my wife and I that we would never have to make another mortgage payment again, that it was fraudulent and to use what we would have paid for the mortgage, for her class. XXXX XXXXXXXX XXXX class consisted of over XXXX other classmates where she provided all templates and affidavits moving forward to send to all registered agents and mortgage companies requesting, not copies but proof of original promissory note and security instrument prior to sending any additional payments. In addition, a cease and desist affidavit and a notice of non-reporting until proof of documents were provided and all credit reporting agencies were placed on 'security freeze ' until proof was established.

I did not receive all documents requested from Valon XXXX XXXX  until XX/XX/XXXX2024 at which time my wife and I came to an understanding that our mortgage was not fraudulent and immediately brought our mortgage payments up to date and current on XX/XX/XXXX2024. I also called and personally apologized to Valon XXXX XXXX along with an email of requesting credit reporting be removed but they said they would not.

I was raised in understanding that credit score is one of the most important things in life. Since I was XXXX years of
age, I have done whatever necessary to make sure all my bills were/are paid before and or on time and my XXXX years of credit history will prove this claim as well.
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 — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (ND)

I settled with XXXX  TD BANK USA TARGET CARD they were to mark my account as paid in settled but they are still showing a balance owed even after I disputed the balance
Consumer complaint received 2024-08-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SANTANDER HOLDINGS USA, INC. (TX)

I have auto loan with Santander Consumer USA, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, they said they send the bill to me on XXXX, but I did not see any notices to let me know the reason why they repoo my car, the last time I see the bill is on XX/XX/XXXX. 
After my car repoo, I call them, and they said I need to paid {$51000.00} and fee for repoo, to get my car back, and they said I only have 1 week to do that, only 1 week to find another the loan. 
But I buy the car, and sign the contract at dealer in Illinois, at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and with the Illinois Law : missed payments and paying the cost of repossession within 21 days not only 1 week That mean they are not correct the law when they repo my car, And I have the loan with Santander Consumer Not with repoo company, under - 15 usc 1692f and 15 usc 6802, the repoo company can not repoo my car with out my agreement, he need to show me his license company, and the information from my loan with Santander Consumer to make sure all information correct, Remember I did not own any thing form repo company, no reason they can repoo my car. 
I need the company send me all the information about the guy repoo my car right now, Under The Fair Debt Collection Practices Act ( FDCPA ). prohibits debt collectors law I believe they are not do right and not follow the law when they repoo my car, they first thing is I have 21 day not only 1 week, the second is I need all the information about the company to repo my car, that not unfair to me when they do that, I need to complaint.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY (CT)

This Checking account Number XXXX the Store located in XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX. The Store Manager under XXXXXXXX XXXX XXXX XXXXXXXX is XXXX XXXX. The exact dates no longer available due the BANK closed the account themselves ; no online written statement can't be viewed and retrieve backward month by month. 

The closing of the account stemmed disputed out XXXX XXXX XXXX initial opened of {$200.00}. The bank transferred the funds to the XXXX XXXX timely. After several weeks discovering XXXX  advertisement is not consistent what they offer specifically the prices of the XXXX is predicted and indicator when to buy and to sell, none of these are showing on the XXXX XXXX I disputed it with TD bank as scammed. 

Submitted all necessary documentation and written explanation twice thrice to TD Bank Dispute Center, the XXXX XXXX acknowledged were scanned on banking files. 

Whether my credibility of the dispute is acceptable or not acceptable or simply not pass the Banking Standard. I am fine with it stack with XXXX. It was promised First week of XX/XX/year>, no check received at all. 

The bank officer stated XXXX stated the check already been issued and mailed but none of it received at XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX where the account maintained as billing and residing address. 

It is my belief and opinion T.D. Bank is unfair to close my checking account simply stated they disagreed with my disputed with XXXX If disapproved and disagreed the contents of the dispute, they can close the account but do not hold my {$2000.00} balance for living daily expenses, this TD Dispute Center Action rude.
Consumer complaint received 2024-09-16
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX : Account # ****
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

The credit bureaus violate 15 USC 1681 by sharing and reporting my private information and that information is not validated and is wrong. I asked all 3 major bureaus with a certified letter to validate the XXXX  on my report and to do so within 30 days of receipt of the letter and they did not comply nor did they remove the inaccurate information. Here is exactly what I requested in the certified letter when I requested that they verify the accuracy of the XXXX found on my report : ( method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information 2. The name of the person at the courthouse who handled your request 3. The address of the courthouse 4. Which document you obtained to verify the XXXX ). It was also requested that this information be removed if they could not validate it within 30 days. They have not given me the requested information nor have they removed the information. My information was leaked by these companies who should never have had access to, shared, or used incorrect information to gauge my credit worthiness. This is a HUGE violation of my rights.
Consumer complaint received 2022-07-13
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. (GA)

Upon reviewing my updates, incorrect information is being presented to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-16
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. (NY)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-09-16
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. (NJ)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-15
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)

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

TransUnion has suffered a handful of data breach incidents over the past 18 months, including a XXXX incident in which hackers obtained the personal information of up to XXXX XXXX individuals Five years ago, a massive data breach occurred. On XXXX XXXX, XXXX, the XXXX credit bureau publicly revealed its computer networks had suffered a data leak that exposed the personal information of XXXX XXXX consumers, a number later raised to XXXX XXXX. That data included consumers names, addresses, dates of birth, Social Security numbers and credit card numbers all of which could lead to identity fraud and other financial crimes. 



XXXX, one of the XXXX XXXX XXXX XXXX XXXX, experienced a significant data breach in XX/XX/XXXX. This breach exposed the personal information of millions of consumers due to unauthorized access to data from a server that contained information for clients, including XXXX The incident was particularly concerning due to the nature of XXXX 's business, which involves handling sensitive personal credit information
Consumer complaint received 2024-09-15
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. (NJ)

I have been told to write a letter because I am a Survivor of XXXX XXXX. 
I am in a desperate need to fix this problem since I am trying to get things in order The Accounts that I put below are due to XXXX XXXX  : Please remove these accounts so I can start taking steps to getting my life back together. 
Thank you so much for assisting me and offering these resources to survivors like me. 

ACCOUNT THAT Is FRAUD DUE TO XXXX XXXX  : XXXX. XXXX  XXXX XXXX -Fraudulent Account Opened XX/XX/XXXX Account Balance : {$XXXX} THE FOLLOWING INQUIRES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
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. (NC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (MD)

I recently deposited cash funds of XXXX ( received only an amount of {$680.00} ), citizens bank runs a very slow process on dispersing funds I have been waiting for XXXX business days no updates no nothing. Negligence to the fullest extent. The funds are need and this is wrong! The machine was glitchy and was stuck on a loading screen for approximately XXXX min. And spat out a XXXX $ bill. I notified clerks also.
Consumer complaint received 2024-08-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

They kept withdrawing money from my bank account even though my bank paid it. My bank account went negative bc of it and got closed. I'm in debt now. Also approved me for a loan said I got the money but I didnt
Consumer complaint received 2024-09-15
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 2023-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

My mother got ahold of my social security card and opened up several credit cards in my name when I was a minor. I have tried to file a dispute and tried contacting legal aide and nobody will help me. Every time I do file a dispute they are trying to make me pay it off. I refuse to pay the debt off when I did not open the account, like I said my mother opened these accounts in my name. It is ruining my credit and it is not allowing me to get a loan or anything because all of it is in my collections. 

XXXX XXXX XXXX  XXXX XXXX A {$680.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  {$760.00} Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} Opened : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This complaint is for potential selling of our information done by one or more of the credit bureaus via a credit check done with a mortgage application. 

On the morning of XX/XX/2022, I submitted an application for a home mortgage loan in Washington state with XXXX XXXX XXXX. My wife was a co-borrower on the mortgage. The process required a credit check with at least 1 of the 3 credit bureaus, because we received our credit score from all 3 bureaus as part of the mortgage process. In the prior 6 months, my wife and I had not applied for any other loan. 

Since applying for the loan, my wife and I have been receiving 7-10 phone calls and texts per day on weekdays from unknown numbers. My wife and started receiving the calls and texts by the afternoon of the XX/XX/XXXX. The texts that we received were from lenders asking if we were interested in a new mortgage. I answered some of the early calls and the ones that did have a live person on the other end of the line were also from mortgage lenders. The large majority of the calls, according to my phones caller ID, are from a Washington state area codes. My wife and I will sometimes get the calls sequentially ( I receive a call, and then my wife receives a call a minute later from the same phone number ). 

We spoke with our mortgage lender about the calls. He indicated that they are not allowed by law to release information related to the mortgage. It also does not make sense if our lender provided our information to other lenders because the calls and texts are related to applying for a competing new mortgage. 

We believe that the credit check with at least 1 of the credit bureaus for our mortgage is the reason why we have been receiving so many calls. We believe that all of these organizations that have been contacting us somehow obtained the information from 1 or more of the credit bureaus. Our mortgage lender mentioned that credit bureaus had sold information about credit inquiries to other organizations in the past, and could potentially be doing so now with the recent downturn in mortgage applications. 

We do not know which credit bureau ( s ) may have provided our information to these organizations because we received a credit score for all 3 major bureaus as part of our loan application.