davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/ with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reviewed my consumer report and noticed there were several late payments and inaccurate payment history information, the accounts are XXXX, XXXX XXXX, AND XXXX XXXX I hav never been late on my payments for those accounts. Please investigate and provide proof that those payments were late. If proof can't be provided I demand that these payments be updated to " PAID AS AGREED/NEVER LATE '' as they should due to the fact that I was never late. Thanks!
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS (GA)

Greetings, First and foremost, between XXXX and XXXX, I contacted LexisNexis Risk Solutions regarding my adult daughters ' vehicles and accident information being added to my clue reports. I verbally explained to XXXX  XXXX XXXX XXXX XXXX representatives before my policy went into effect that we don't share vehicles. 
Secondly, somehow an accident dated XX/XX/XXXX ended up on my claim 's history, and it was confirmed that I was aware of the incident when I wasn't. 
Third, I physically went in the XXXX, Georgia location and updated my new address in XXXX after I purchased my new vehicle. Recently, I never received a bill via mail or electronically since XX/XX/XXXX resulting in my insurance being canceled in XX/XX/XXXX. Prior to that, I would have to call the insurance company to receive my documents, receipts, and they would claim that they mailed it on their end. Normally, I have an extra 30 days to pay before the XXXX of each month. After I tried to pay my balance on XX/XX/XXXX, I was verbally informed that my policy cancelled due to nonpayment, they contacted me via text, and that they weren't going to reinstate my insurance. ( This was the wrong telephone number on file ) Prior to that, I was being harassed by the XXXX location over membership fee 's being paid. This was reported to the corporate office, and they agreed that I had 60 days. Recently, I contacted their corporate office in XXXX, Georgia, and it was confirmed that the wrong contact information was on file with XXXX  XXXX XXXX. This lapse of coverage and inaccurate information is causing me to pay much higher premiums. As a consumer, I have no control over unverified information being placed within my claim 's history by insurance companies to raise costs. 9 years ago, this was the same company that claimed that I had multiple tickets when I didn't. To make matters worse, XXXX  XXXX XXXX XXXX confirmed that I was aware of the incident mentioned above when I wasn't. Fourth, I believe that XXXX  XXXX XXXX has deliberately reported inaccurate information in order to raise their premiums. I'm asking for assistance with this matter. There's no letters at this time because waiting on the results from LexisNexis.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Old XXXX XXXX credit card, a limit of XXXX and it was misused by XXXX so I closed the account voluntary and it will not remove intentionally from transunion in an attempt to get me to purchase their monitoring services. I dispute the items along with cred adj company a third party I never conducted business with.in which it is fraud and violates fair credit rep
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-26
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (MI)

On XX/XX/year>, I received notice in the form of a Deficiency Letter that Credit Acceptance had sold the vehicle to another consumer through a third party auctioneer named XXXX XXXX. I called Credit Acceptance on that same date and requested a copy of the XXXX XXXX because the amount they claimed to have sold it for seems to be incredulous. I even told them that they can edit or black out with a marker the consumers personal information that bought the car. They have refused to send this information violating federal law so that I can verify what it was actually sold for and pay what my remaining balance my be.
Consumer complaint received 2024-01-16
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. (MD)

This consumer reporting agency is in violation of XXXX XXXX XXXX XXXX. A creditor may not treat a payment on a credit 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 was not notified in the time frame.

1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account XXXX : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately. 
4. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
5. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

6. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX  Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

7. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX
Consumer complaint received 2023-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX 5 charges were made on my account. The transactions were titled " XXXX XXXX XXXX XXXX '', and the first charge was {$190.00}, and then four charges of {$76.00} ( totaling of {$500.00} ). I've called my bank many times and gone in person. They have been so unhelpful. They denied my fraud claim because they were able to trace the transaction back to my phone, but I feel like scammers have definitely figured out a way to make the transaction be traced back to my phone when in reality it wasn't. Chase doesn't want to reopen my case unless I provide " evidence '' that I didn't make the purchase. I've asked what is it that I need to provide but they refuse to tell me anything. I've talked to so many people now and no one is doing anything. I'm not sure what I can do to get my money back. I found out yesterday, the transaction was literally XXXX. I feel like that in itself should be enough evidence that it wasn't me since I've never dealt with XXXX  and I don't even know where I would even begin. Scamming in XXXX has been something that has happened countless times, so I don't know why Chase doesn't believe me when I say it wasn't me. I have a feeling it's because they're going to have to pay out-of-pocket, so they're trying to refuse any claim I'm making.
Consumer complaint received 2021-02-04
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: BMW Financial Services NA, LLC (PR)

My credit report shows hard inquiries i have not authorized. Also Auto loans i have not made are shown. I have repeatedly reported inhave been a victim of identity theft. All fraudulent records are dated XX/XX/2020. I have sent letters, made phone calls to all the institutions shown on my credit report that are related to the identity theft issue reported. I submitted a written dispute to XXXX XXXX XXXX, XXXX XXXX BMW Financial Services, and to the Federal Trade Commission. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I hot an alert on XXXX XXXX and XXXX and XXXX that a apartment has been reporting that I owe them money yet I've never had an apartment before I've tried disputing it and it won't go away. It's XXXX apartments reporting on TransUnion XXXX XXXX for almost XXXX and XXXX XXXX for almost XXXX.
Consumer complaint received 2024-01-16
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. (FL)

The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I continue to note inaccurate and inconsistent information reported by TransUnion including, Amount Past Due, Date Last Reported, Date Last Active, Date of Last Payment, and Last Payment Amount. In XX/XX/2023, I raised a concern with the credit reporting from TransUnion via CFPB XXXX # XXXX ( see attached ). While TransUnion inaccurately reported to CFPB that a response was issued to me as of XX/XX/2023, I received no such update on the case until well after CFPB 's Feedback Due Date of XX/XX/2023. By this time, I had already been denied credit in XXXX and XX/XX/2023 which further impacted the damage to my credit profile from incomplete and inaccurate information furnished by TransUnion. When I attempted to retrieve my credit reporting file from TransUnion, I received a message stating that it was unavailable in XX/XX/2023. TransUnion did not send a mail until XX/XX/2023, acknowledging that they had not sent any communication relative to the case within a timely manner ( see attached ). Additionally, TransUnion inaccurately reported to CFPB in XX/XX/2023 that updates were made to accounts referenced in CFPB XXXX # XXXX. TransUnion did not perform update both accounts as of the most recent credit reporting which shows a Last Update Dates that precede my raised investigation in XX/XX/2023. I have now requested proof on multiple occasions showing account details and contracts, which has not been provided by TransUnion. I have requested reinvestigations, which seemingly did not occur by TransUnion. I have been told accounts were updated by TransUnion, which they were not.
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (MO)

On XX/XX/year> I mailed a debt validation letter to Spring Oaks Capital LLC certified mail. They signed for it XX/XX/year>. This is not an account I opened. I have since then made a police report on this and another account at which they are investigating. I never recieved validation or even a letter. Its been over 30 days and want this removed off my credit report immediatly.
Consumer complaint received 2023-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently opened an account with XXXX XXXX and noticed that a late payment ( 30 day ) was placed on my credit report. I called XXXX XXXX and they found it and could only give me information that the card ended in XXXX. That account does not belong to me. I was asked for my social and date of birth and it did not match my information as well. I need this item removed from my credit report ASAP as it does not belong to me.
Consumer complaint received 2023-08-26
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. (IL)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sentry Credit, Inc. (GA)

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' SENTRY CREDIT INC ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( SENTRY CREDIT INC ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( SENTRY CREDIT INC ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( SENTRY CREDIT INC ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of SENTRY CREDIT INC reporting services. SENTRY CREDIT INC is also a third party debt collector that i have never contracted ever. They have no right to collect a debt from me.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX, Transunion and XXXX are in violation is my consumer right by reporting these fraudulent account on my credit report. Below are the fraudulent account information : XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX  ( {$25000.00} ). I need these account removed from my credit report as soon as possible.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (AZ)

An individual fraudulently used my social security number to obtain services from XXXX XXXX XXXX XXXX. The company is located in XXXX, Texas. 
I have informed the company about this fraudulent activity. They requested that I file this report. 
The debt appeared on my credit report on XX/XX/year>. Placed there by a company named Credit Control LLC. 
I live in XXXX, Arizona and l have never lived in Texas. 
My social security number has appeared on the dark web.