davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC. (GA)

EXETER XXXX XXXX denied me an extension of credit after accessing my credit. According to XXXX XXXX XXXX ( k ) ( XXXX ) which defines adverse action, one can be denied insurance and one can be denial employment. No where within XXXX XXXX XXXX XXXX- Congressional findings and declaration of purpose, does it say one can be denied an extension of the own credit. Furthermore, XXXX XXXX XXXX XXXX - Scope of prohibition states within ( a ) Activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( XXXX ) on the basis of race, XXXX, XXXX, XXXX XXXX XXXX or marital status, or age ( provided the applicant has the capacity to contract ) ; ( XXXX ) because all or part of the applicants income derives from any public assistance program ; or ( XXXX ) because the applicant has in good faith exercised any right under this chapter. Applying for credit extension using my open ended credit plan ( social security number ) through, EXETER XXXX XXXX XXXX XXXX Consumer and Lender into XXXX consumer credit transaction therefore a finance charge arose. Dealership states this bank is requiring a down payment for the financed purchase of vehicle, which is not in accordance with XXXX XXXX XXXX - XXXX charge. I received no disclosures regarding any adverse action, the finance charge and its cost and terms, the requirement of a down payment nor the statement of reasons as to why I've been denied.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Momnt Technologies, Inc. (TN)

I received an email from MomntXXXX XXXX ( whose address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone number is ( XXXX ) XXXX ) on XX/XX/XXXX about a retail installment credit agreement in the amount of {$7400.00}, dated XX/XX/XXXX. The original merchant on this document is XXXX XXXX XXXX XXXX. I have never heard of nor have I ever been to this clinic and I DID NOT obtain goods, services or money as a result of this transaction and I did not consent to this transaction either in person, in writing or electronically. I do not know how someone obtained my personal information in order to take out this fraudulent loan! I looked up this clinic online and the address I found is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and its mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX . The phone number XXXX is no longer in service and it appears this business no longer exists. I believe someone at this place of business stole my identity and has has been reported to my local police department and to identitytheft.gov. I was told by a representative at Momnt on the phone that it was a promotional agreement and payments were not due for 24 months which must be why I did not know about it until 24 months later when I first received the email. The credit report reflects 100 percent of payments were on time. But he representative told me no payments were made since there were none due during the promotional period. This must be why it is just now showing on my credit report since payments are now due. Regardless, I made no such payments as I had no knowledge nor did I consent to this loan and it should be remove from my credit report. I have read several complaints of fraud online about this XXXX XXXX XXXX XXXX. I've also read that on the Tennessee Secretary of State website that it's Limited Liability Company is dissolved and appears to have many lawsuits filed against it. I have disputed this with the credit bureaus as well. But the finance company " MomntXXXX XXXX '' insists on collecting this debt that I am not responsible for claiming that I signed the agreement electronically. I've never signed any agreement electronically in my life and they are trying to collect a debt that is fraudulent and is identity theft!
Consumer complaint received 2024-05-20
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. (CA)

XXXXXX/XX/XXXX 2024 XX/XX/XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XX/XX/XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 XXXX XXXX XXXX XXXX, 2024 2024
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/2023 I received an email from XXXX XXXX  and XXXX XXXX 1. there's been a change to your XXXX  credit report 2. Heads up : A lender reported that you opened a new account with them. 

2. It looks like an account with XXXX/PAYPAL CREDIT CARD was added to your XXXX credit report. * 3. total credit card balance recently went up. *
Consumer complaint received 2024-05-20
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)

I am a victim of fraudulent information reporting and I am refiling this complaint to TRANSUNION. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-05-20
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. (GA)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (MD)

A Paypal credit card from Synchrony Bank was fraudulently opened in my name. I learned of it when I had a note fromnthe post office that they had tried to send me a certified letter. I called them and found out a credit card was opened, maxed out and past due. I filed a fraudulent application claim, mailed back the fraud form they sent me and waited. I have just received in the mail 2 things, a letter stating they denied my claim and a new credit card. All the letter stated was that I had " benefitted from use of card/participated in the purchases ''. No other information or explanation. I never applied for or received this card.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbally and non-verbally per 15 USC6802-6805 effective immediately and indefinitely.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbally and non-verbally per 15 USC6802-6805 effective immediately and indefinitely. According to the Privacy act of 1974 and the companys own privacy policy my personal account information was not to given to a non-affiliate third party per https : //www.capitalonecenter.com/privacy-policy " Our site does not collect personal information about your visit to the Capital One Center website unless you choose to provide that information. We do not sell, exchange or release your personal information to parties outside Capital One Center, including, without limitation, Capital One Financial Corporation and its affiliates and subsidiaries '' However my reported to all 3 credit reporting agencies XXXX, XXXX, and XXXX Status Account charged off. {$12000.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
. Also per 16CFR313.7 ( the below applies to Capital One ) which they did not follow. Capital One also reported Form of opt out notice to consumers ; opt out methods.

( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2021-03-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CO)

Greetings, I have received a second factor authentication ( XXXX ) for an account I have NEVER made on from Cash App ( XXXX ). 

I contacted their resolution phone number at XXXX XXXX XXXX XXXX to request that check their system why I was contacted and to ensure someone wasn't trying to make an account in my name. 

They refused to do anything. They refused to : - Check to see if my email had an active account attached to it. 
- Check to see if my name was used in the creation of any account. 
- Place a " do not contact '' related to my name sake or email in their system. 
- Remove any information seemingly connected to me. 
- Connect me to a supervisor ( because the front line agent refused to do any of these things ).
Consumer complaint received 2019-03-21
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. (NY)

I have contacted XXXX repeatedly in writing and using the online dispute feature with regard to inaccurate information and negative remarks on XXXX XXXX XXXX accounts due to fraud. I placed a complaint with the Federal Trade Commission reporting the inaccurate account information and provided the info to all Bureaus. The Bureau added new remarks after removing the fraudulent accounts. I also have a police report regarding this matter. Therefore, all remarks on closed/removed accounts should remain off the credit report.
Consumer complaint received 2024-05-20
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. (LA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-09-10
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. (MD)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Consumer complaint received 2024-05-20
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 account below has violated my federally protected consumer rights under 15 USC 1681. 

Account name : # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions. ( Which were given through email on XX/XX/XXXX ) 15 USC 1681c ( a ) ( 5 ) 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 USC 1681s-2 ( a ) ( 1 ) states 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. 

On XX/XX/XXXX, I filed an order to show cause to vacate judgement, which was approved in court. 
On XX/XX/XXXX, I wrote indicating that I had no responsibility for the debt.
Consumer complaint received 2023-05-16
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. (MO)

I am being charged for something and it is fraudulent! I have NEVER had XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX, Minnesota XXXX phone ( XXXX ) XXXX The amount is for {$710.00}. It does not have the dates the account was supposedly opened. 

Please remove this as soon as possible.
Consumer complaint received 2024-05-20
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. (MI)

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 2023-05-16
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Delete this account.
Consumer complaint received 2024-08-23
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (CA)

A purchase in the amount of {$320.00} was made at the XXXX XXXX on XX/XX/year>. 
I made a police report with my local police report number XXXX with XXXX XXXX Police Department . I also notified cashapp. I have a message that they are denying my claim for no reason
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

I was switched from XXXX to XXXX XXXX XXXX XXXX and I have been paying on time for more than three months now. I have even paid off one of the two loans already but my new servicer is not reporting anything to the credit bureaus. My credit report still has XXXX as my loan servicer and a the wrong balance on there. I've called the credit bureau and they stated that XXXX XXXX has not reported anything. So I called XXXX XXXX XXXX and they told me it would be 30 days, however it's been longer than that now and nothing still has changed. My balance reported say over {$15000.00} but I only owe a little over {$11000.00}. I'm trying to clean up my credit report and this is not helping.
Consumer complaint received 2024-05-20
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. (MS)

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 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.
Consumer complaint received 2024-05-20
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. (IL)

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 2024-01-19
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. (MD)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.