davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX Ryman Place XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the inquiries made by various entities on my credit report, including XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX 

These inquiries have been made without my consent or authorization, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ) which regulates the use and disclosure of consumer credit information. Under FCRA Section 604, credit reporting agencies must obtain written consent from the consumer before sharing their credit information with third parties, except in certain specific circumstances.

I have not applied for credit or authorized any inquiries from the above-mentioned entities, and I am concerned that my personal information may have been used fraudulently. I request that you investigate these inquiries and remove any unauthorized inquiries from my credit report.

I am emotionally distressed by this situation, as it has caused me a great deal of inconvenience and concern. I request that you take immediate action to address this matter and ensure that my credit report is accurate and reflects only authorized inquiries. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2023-11-07
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. (CA)

This is my numerous 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO. (GA)

XXXX.account XXXX XXXX , XXXX and XXXX  XXXX, XXXX, gaXXXX.ssn-XXXX.i finished payoff loan auto by jp morgan chasebank, N.A.i went paid it XXXX payoff last days on XX/XX/2018. is closed account.please needs remove lists still on by creitd records compainies.please call them XXXX .
Consumer complaint received 2024-03-13
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)

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Identity Theft! There are accounts in my credit report that are not mine. I do not have a record of doing business with these companies. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.
Consumer complaint received 2024-03-12
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. (VA)

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 2024-05-23
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)

These accounts are fraudulent and do not belong to me. Please delete them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-12
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)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-09-19
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)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2024-05-21
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 am writing to request the removal of an account from my report that does not belong to me. I am a victim of identity theft, and this account was fraudulently opened in my name. 

Please investigate this matter and remove the incorrect account from my report to restore its accuracy.
Consumer complaint received 2024-08-15
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: EQUIFAX, INC. (VA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX  on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-15
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. (TX)

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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 an 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 XXXX 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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 2023-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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 Card : # XXXX, XXXX Card : # 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 2024-03-11
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. (AZ)

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 2019-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

Whom It May Concern, I have no ideal who or where this company came from but I have never had a account or bill with WWR # XXXXTo The reason for my dispute is WELTMAN, WEINBERG & REIS CO LPA was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also,  WELTMAN, WEINBERG & REIS CO LPA failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809.  Validations of date and Mini-Mirandi under Section 807 ( 1 ) WELTMAN, WEINBERG & REIS CO LPA failed to send me my initial  communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. WELTMAN, WEINBERG & REIS CO LPA* is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where WELTMAN, WEINBERG & REIS CO LPA is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. WELTMAN, WEINBERG & REIS CO LPA has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-03-11
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.

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 2023-09-18
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TX)

I have had a line of credit with Grain since XX/XX/XXXX as reported on my credit report. On XX/XX/XXXXXXXX  I attempted to login to the app and I received the following message : " Our system reviewed the identification details you provided and are unable to confirm your identity, as such were unable to onboard you at this time. 

Our inability to onboard you was not based in whole or in part on information obtained in a report from a consumer reporting agency and no credit score from a consumer reporting agency was obtained and used in making our decision. A consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have denied to onboard you. 

Our inability to verify your identity was based in whole or in part on information obtained from an outside source other than a consumer reporting agency, which was not acting in the capacity of a consumer reporting agency. 

Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is : Office of the Comptroller of the Currency, Customer Assistance Group, XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX. '' I can not access the application to make a payment due to this message. Also, Grain, has not asked me to provide any proof of my identity and will not let me make a payment on the app or provide me a statement of the balance owed. Their phone number is just a recording with no option to speak to a person. Their support has not responded via email either.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2023-05-07
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (KS)

I received a title loan through titlemax in XXXX Kansas their location in XXXX to be good and I was approved for {$600.00} but they only let me receive {$400.00} until I make my XXXX payment then I would be able to receive the other {$200.00} unfortunately I never make the 1st payment. So I only ever received {$400.00}. It's been a few years now since the loan and I guess I forgot and I never called to check on it because of then I was at XXXX shopping and they repossessed my car while I was in the store so me and my kids were left with no right home And no idea where the car even went for 3 days to the police department finally locatedit and I tried working a payment out with the corporate office for titlemax and they were beyond rude Multiple people I spoke with. They wanted XXXX That was it I could only come up with XXXX and I asked if there was anything they could do they refused at the same time They spoke to me in the most degrading and disrespectful mannor That I have ever received from any body else especially from any employee or buisness as a whole. They have since continued not to speak with me it's been a total of 3 weeks since my car was repossessed they refuse to talk with me by continuously hanging up on me or being rude and yelling to the point they can't hear anything I try saying. They refuse to give me anything put of my car when they took it nor would they even dispose the tow company name for me to atheist get my belongings out of the vehicle.