davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-07
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. (LA)

I have recently been in the market for a new vehicle. After checking my report I noticed inaccuracies. I reached out with letters and disputes for verification of the debts and to remove accounts that are reporting inaccurate information to my account numerous times, which is destroying my credit profile. I am looking for this to be resolved and removed from my credit report.
Consumer complaint received 2023-05-02
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. (CA)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$29000.00}
Consumer complaint received 2024-01-24
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. (MS)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2024-06-21
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. (GA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It's required by FCRA 605B that we remove any incorrect accounts from my credit report. Would you please review the documents? Some of the listed accounts are inaccurate in terms of reporting. I should receive {$1000.00} for each inaccurately reported item on my credit file
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

**Complaint to the Consumer Financial Protection Bureau XXXX OneMain Financial** To Whom It XXXX Concern, I am writing to file a complaint against OneMain Financial XXXX which I believe engages in predatory lending practices. My experience with them has been highly distressing and financially damaging. 

In 2021, XXXX authorized a title loan for me that exceeded the value of my car at the time. The loan XXXX failed to educate me about critical aspects of the loan, including the exorbitant interest rates and the availability of hardship insurance. I only discovered that the loan was interest-bearing about two months ago, highlighting the lack of transparency during the loan process. 

Shortly after taking out the loan, I lost my job. Despite this, I continued to make my payments diligently and have never defaulted. When I recently requested an alteration to my payment amount due to my current financial hardships, I was denied because I did not have the hardship insurancea policy I was never informed about. 

The loan process itself was highly irregular and rushed. The loan officer was preoccupied with figuring out how to approve the loan, despite my deceased grandfather still being the owner of the vehicle. He managed to get the loan approved without using my grandfather 's death certificate, which struck me as unusual. A year later, the Department of XXXX required me to remove my grandfather 's name from the title to renew my registration. However, OneMain, holding a lien on the vehicle, initially refused to assist because that would mean giving me my title in order to get the courts to remove my grandfathers name. It took a month of persistent crying and emailing before I could get my registration. 

Recently, I received a credit notification that my loan amount with XXXX had increased. This is shocking and unfair, given that I have been making payments for XXXX years and still have a substantial amount left to pay. When I reached out to debt consolidation companies, I was informed that XXXX does not allow their loans to be consolidated, which is outrageous given that even student loans can be consolidated. 

Had the loan XXXX properly educated me about the loan terms and the hardship insurance, I would have never agreed to this predatory loan. I feel trapped and exploited by XXXX 's practices and seek justice for the financial hardship they have caused me. 

I urge the Consumer Financial Protection Bureau to investigate OneMain Financial for their predatory lending practices and to hold them accountable for their lack of transparency and unethical behavior. I am also considering legal action against XXXX for their predatory practices and would appreciate any assistance or guidance you can provide. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-01-24
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. (CA)

I have five or more previous requests to dispute and remove the late payment reported on my consumer report by Transunion from XXXX XXXX. The late payment was previously removed however as of today, the late payment has been placed back on my consumer report even though I submitted information showing that XXXX agreed to remove the late payment. I have never been late on this account in the history of this account. The company ( XXXX ) did not make a balance adjustment to the account when the account was in a dispute status.I would like compensation for this financial damage that is being caused to me by Transunion and XXXX
Consumer complaint received 2024-01-24
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)

This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 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 REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.
Consumer complaint received 2023-05-22
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. (MO)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-05-07
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 am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-02-09
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: NRA Group, LLC (PA)

On XXXX XXXX, 2019, NTL RECOVERY AGENCY added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
Consumer complaint received 2024-05-07
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. (AZ)

Accounts to be blocked per FTC FCRA within 72 hours of this submission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ADDRESS DOCUMENTS 2 forms of ID, bank statement, supplemental police report, FTC ID THEFT REPORT, ID FTC AFFIDAVIT and validation attached thanks!
Consumer complaint received 2024-05-07
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. (PA)

XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XX/XX/XXXX {$850.00} XXXX XXXX XXXX XX/XX/XXXX {$550.00} XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-01-24
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. (IL)

This serves as my formal complaint to TRANSUNION. I am seeking the correction of late payment notations to accurately reflect my timely payments. I assert that the payments in question were made on schedule. In the event of any uncertainty, I urge you to reach out to me or the customer service representative associated with the relevant account. The portrayal of late payments in my credit report is deemed a violation of the Fair Credit Reporting Act ( FCRA ). As per FCRA regulations, it is imperative for you to possess documented evidence from the original creditor, ensuring the complete accuracy and truthfulness of this information.
Consumer complaint received 2024-01-24
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. (MS)

I have 13 hard inquiries on my XXXX and 29 hard inquiries on my TransUnion that I did not authorize and according to the FCRA, these unverified and unauthorized items must be removed.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nathan & Nathan, P.C. (MS)

Received a summons on XX/XX/2023. I sent a response to that summons on XX/XX/2023 certified mail and it was received by the plaintiff on XX/XX/2023. Today XX/XX/2023 I received a package from the plaintiff where it was dated XX/XX/2023. This package had a letter with one sentence on it stating these documents validate the debt. The package also contained several statements from the prospective credit card company. I have no knowledge of this, and they are not giving me the rights to appeal or contest. They also have not verified the debt with these statements. The notice did not include any of the communication that they tried to contact me about this said debt before issuing me a summons. The notice did not include any of the following : A statement that the communication is from a debt collector The name of the creditor you owe the debt to The account number associated with the debt ( if any ) ( shows all Xs except last four digits ) An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt
Consumer complaint received 2024-05-07
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. (FL)

These are the hard inquiries that I did not authorize these companies to run my credit. 
XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX Reported on XX/XX/2022 XXXX reported on XX/XX/2022 XXXX XXXX reported on XX/XX/2022 XXXX XXXX XXXX reported on XX/XX/2022 XXXXXXXX XXXX  reported on XXXX. XXXX, 2022 XXXXXXXX XXXX reported on XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX reported on XX/XX/2022 XXXX card services XXXX XXXX XXXX XXXX ( XXXX ) XXXX reported on XXXX XXXX
Consumer complaint received 2024-01-24
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. (GA)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

4 Duplicate accounts are showing for Dept of EducationXXXX and US Dept of Education I am 100 % totally XXXX Veteran who has receive loan forgiveness but the duplicate accounts of my credit report for the same exact thing. Also the account status is incorrect US dept of education reflects with all three bureaus Student loan assigned to government, Paid collection Student loan perm assign government Student Loan Permanently Assigned To Government Dept of educationXXXX all the bureaus reflect Account closed due to transfer
Consumer complaint received 2023-06-08
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. (IL)

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$140000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$700.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

Target credit card services reported a 30 days late payment for the month of XX/XX/XXXX. The payment due date was XX/XX/XXXX. I made a payment on XX/XX/XXXX.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AL)

My Pay feature, shows I owe {$42.00}. I do not owe a balance. It states I did not have any qualifying deposits since XXXX XXXX, which is not true.I 've had a deposit on XX/XX/XXXX, and another on XX/XX/XXXX from my XXXX XXXX payments. My statement shows I have a {$0.00} balance, and shows I did have not any qualifying deposits, but im told I have a credit limit of {$120.00} available. But I'm not able to access this because they keep saying I owe a {$42.00} balance. None of this makes sense and it's been XXXX  months I've been calling to have it resolved. Nothing is being done.
Consumer complaint received 2024-06-06
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)

This account was initially reported in error. The outstanding balance was and has always been in dispute with creditor. I have attempted to reach out to TransUnion many times about this matter and I am never granted access to fully dispute this particular tradeline for XXXX XXXX XXXX XXXX XXXX. The dispute was finally settled with the creditor who agreed to remove this debt from all reporting credit agencies. XXXX updated their records but TransUnion has yet to correct this mess and remove this tradeline completely from my report.
Consumer complaint received 2024-01-24
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)

I've been reviewing my credit report since XXXX of XXXX  and have sent many disputes in regard to the closed child support account that is affecting my credit report. The Account is closed and the child resides with me. This is a violation of 15 U.S. Code 1681e and 15 U.S. Code 1681i. They have continued to report this account as verified and correct. I have court documents that support that the account is closed and they still have ignored my request to remove the account.

Under 15 U.S. Code 1681e and 15 U.S. Code 1681i this is account is in violation, it list Child support as a furnisher and this forgery and misleading and affecting my life. The courts do not report these kinds of accounts. 

They also report differently between Transunion and XXXX, one says closed the other states still in good standing and open when calling child support the speak rude over the phone and told me its automatic account that reports every 30 days they cant stop it. When i speak with Transunion they tell me to call child direct when i call support they tell to contact Transunion. There has been so solution between both sources. Even with supported documents which i will upload. 

DIVISION OF CHILD SUPPORT ( XXXX )