davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXX is furnishing an unverifiable account on my consumer reports and are refusing to remove it which is a violation of section 623 of the Fair Credit Reporting Act ( FCRA ). A data furnisher is prohibited from furnishing information that is NOT accurate, complete or verifiable by them or has reasonable cause to believe that the information is inaccurate. Not only is this account being reported with two different account numbers having the same exact information ( account # XXXX and account # XXXX ), this agency has also stated themselves that can not send an authenticated record of the account and that they sold all rights of the alleged account to XXXX XXXX XXXX ( see blue highlighted paragraph in attached exhibit a ). How can this company " verify '' the account when they do not own or can see the account? ( see exhibit b & c ). Pursuant to section 623 ( a ) ( 1 ) ( B ) they were notified by me, the consumer, about this unverifiable and inaccurate account on my consumer report. Instead of following the procedures and requirements of the FCRA they decided to be willfully noncompliant and negligent. I demand that XXXX XXXX XXXX deletes this item of information from ALL consumer reporting agencies as stated in section 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ).
Consumer complaint received 2021-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

I have a credit card and they continue to try to take money from an account I no longer use. I asked the bank to close the account last month and they refused. I have called several times to dispute the charges with the last call being today @ XXXX. I have asked the credit card company to show me in the card agreement where it says they have permission to attempt to take money multiple times and no response from them either. The credit card company has been trying to take money multiple times a week since XXXX XXXX, XXXX. I have tried many times to stop it to no avail from the card company or the bank. After the call, I tried to chat with the bank only for them end the chat on me. The credit card company has attempted to take {$100.00} on all of the following XXXX, and XX/XX/XXXX. They attempted to take {$190.00} on the following XXXX, and XX/XX/XXXX. The bank is not covering the amounts and then turn around and charge me {$37.00} every single the credit card company tries to get money from the account. I have tried to dispute the charges multiple times and the bank will not allow me to do it. So they have charged the {$37.00} at least 6 times and that is {$220.00} they are trying to get for free. I have tried to resolve this multiple times only to get nowhere with the credit card company or the bank. This is not right for a bank to continue to do this to their customers. I have told the bank at this point they refuse to help stop the credit card company from trying to take money, so refuse to pay their " fees ''.
Consumer complaint received 2023-05-02
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-15
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. (AZ)

Hello my name is XXXX XXXX XXXX XX/XX/96, last 4 of SSN XXXX, I am contacting you today because I took a look at my credit report and I noticed that there is an account on there that was not authorized by me, ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) in the amount of {$770.00}. Account # ending in XXXX. I have never been to this institute before and when i contacted the institute they gave me the run around and told me there wasn't much that they can do. I believe I have become a victim of fraud, can you please help me to get them to share proof that this account is mine.
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2023-09-21
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. (IN)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
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 RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Consumer complaint received 2023-05-25
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. (MS)

The complaints I submitted dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023 were closed immediately and were marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am being taken advantage of as a consumer by Experian. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.
Consumer complaint received 2024-01-03
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. (PA)

I just obtained and reviewed the copy of my credit reports. It seems that the Bureaus are reporting Inaccurate information resulting to lower my credit scores. 

Please see the attached PDF file on this complaint. These are the letters I submitted to the involved Bureaus.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I am not liable for this debt with charter communications, I do not have a contract with LVNV FUNDING LLC, they did not provide me with the original contract as i requested. This is not a duplicate complaint this is a new complaint about a second account fraudulent reported by The same company.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

Ive disputed multiple times because an account that got sent over to collections has had fraudulent charges and was never mine. Ive asked multiple times for them to send me information on this debt and all it says on credit report is account disputed by consumer this account was verified as accurate Im not exactly sure what to do about the fraud since this just randomly showed up on my credit report a year ago. Ive disputed this multiple time, including this week. Ive also done an identity theft report with the ftc.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

My account is with XXXXXXXX XXXX My credit report is showing that I have a maxed out balance of {$13000.00} when it was paid off in the month of XXXX. Equifax did not report the updated balance as paid in full since the last payment in XXXX. The last report was around XX/XX/year>. Equifax said that XXXXXXXX XXXX  did not report the paid balance. However, XXXX and XXXX shows the updated balance from XXXX. As a result, XXXXXXXX XXXX  reduced by Credit limit to {$2300.00} from a {$13000.00} limit. I called XXXX to investigate the incorrect balance reporting and the reduced limit and they still have not corrected this info.
Consumer complaint received 2024-05-07
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 letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you included the information below in my credit profile, and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish and notifying me of published information as outlined in the FCRA. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXXDATE OPEN IN REPORTING INCORRECTLY ; BALANCE IN INFLATED ; PAYMENT HISTORY IS REPORTING INACCURATE. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED XXXX XXXX XXXX XXXX WHY IS THE ACCOUNT REPORTING MORE THAN ONCE? 

ONE WITH A BLANCE OF {$770.00}, {$2200.00}, {$2700.00} AND {$770.00} LOOKS LIKE DUPILICATE ACCOUNTS TO HARM MY CREDIT WORITHENESS. 

XXXX NOT MY ACCOUNT NEVER DONE BUSINESS WITH THESE PEOPLE, NEVER RECEIVED ANY NOTICE OF ACCOUNT ASSOCIATED CREDIT COLL
Consumer complaint received 2022-11-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc. (NV)

Malicious calling ... this company will call you and hang up even after you speak to a representative ... A representative of the company was told that a payment could be made on XX/XX/XXXX. I was told the payment would draw from my account by that Date but not for the day of the call XXXX. The representative bullied the call and drafted the payment for XXXX after I specifically told a specific date XX/XX/XXXX ... the payment was returned and the vehicle was repossessed on XX/XX/XXXX. I have the money to cure my loan however the vehicle is damaged and not driveable due to the towing company. How can I continue to pay on a car that is supposed to be working under this contract if they damaged the vehicle while I'm recovery. They are offering to cure my loan with a damaged vehicle.
Consumer complaint received 2024-01-03
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)

EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, XXXX XXXX, I received a copy of my credit report and I have found the following items listed below to be in error. 

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by Section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the Payment due date.

I NEVER gave You, CREDIT REPORTING AGENCY OR ( XXXX XXXX ) any written instructions to furnish Any information on my consumer report which is a Violation of 15 USC 1681b.

Credit Reporting Agency has caused severe stress and XXXX due to the abusive and unfair practices. 
You CREDIT REPORTTING AGENCY, should be ashamed of yourself for ASSUMING this role and Position. 
To constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following account were NEVER late and should be listed as PAYS or PAID AS AGREED XXXX XXXX I was never late on XX/XX/2019 on this account please update the account as Paid/Current. 
I was never late on XX/XX/2019 By the provisions of the fair Credit reporting Act, I demand the these Items be investigated and removed from my report and I demand that you proving me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with The creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec 168i ( a ) you must complete this reinvestigation within 20 days of receipt of this letter. 

Please send an updated copy of my credit report Reflecting the requested Changes. 

Best Regards, XXXX XXXX ( Agent Beneficiary ) Without Prejudice, All Natural Inalienable Right Reserve
Consumer complaint received 2023-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Albert Corporation (SC)

I did not apply for a cash advance with this company. I attempted to apply for an advance and I received the message that the account already exists. Someone applied for a cash advance in my name. I sent an email to the company informing them of the fraudulent application. Unfortunately, when an individual applies for a cash advance, it will not appear on your credit report.
Consumer complaint received 2021-02-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

My home owners insurance was not paid on time and my policy was cancelled. I contacted Mr cooper my mortgage lender and they informed me that the payment had been sent on XX/XX/2021 for a due date of XX/XX/2021. My insurance carrier stated they had not received payment and as of XX/XX/2021 they had not received any payment. I decided to pay them this morning XX/XX/2021 directly in the amount of XXXX to have my insurance reinstated. My lender is telling me that i will be reimbursed eventually, I should not have had to pay again for something i had already paid into escrow to take care of, and hope that i get reimbursed some day.
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. (DC)

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/ ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
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. (CA)

My XXXX XXXX credit was was stolen from me. when my card was stolen they used my XXXX XXXX card for purchases which went through. Due to those fraudulent purchases my XXXX XXXXXXXX card went 30 days late. I right away called XXXX XXXX disputed those fraud transaction and they verified due to the fraudulent transaction they will remove the 30 day late they reported to XXXX XXXX and transunion. Which they did remove. I have attached my XX/XX/XXXX statement which you will see XXXX XXXX removed the 30 day late they reported in XX/XX/year>. After 2 months passed XXXX XXXXXXXX reported the 30 day late back which I was in complete shock because that issue was removed. I called them and they don't see the problem and I am having a hard time explaining the situation to them because everytime it is a new employee and they don't know what to do. I need this 30 day late removed from XXXX XXXX and Transunion because it is inaccurate and was due to fraud charges. Below I have also attached my XX/XX/year> credit report which you will see the late. Please help me resolve this issue like it was originally. Thank you
Consumer complaint received 2023-04-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (IL)

Credit Acceptance Corporation is a vehicle loan company. They were just sued by New York for overcharging clients on interest rates. How do I file a lawsuit on the company from Illinois? 
I called to get my principal balance and I was told my interest rate fluctuates monthly even though I have a fixed monthly payment. Every month my interest increases. This is unacceptable.
Consumer complaint received 2024-05-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've consistently ensured timely payments on this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.