davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-30
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Credit Corporation (KY)

We had a vehicle repossessed through us auto credit in XXXX fl. On our credit report it stated closed charged off. I disputed this to get it removed off my credit and us auto credit reopened this and is now taking me to court plus wanting me to pay for extra fees and extra finance charge until it is paid off. It also states on my credit report that this was affected by natural disaster.
Consumer complaint received 2024-01-22
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 recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX. ) XXXX Report # XXXX has a account listed as fraud and money owed to XXXX XXXXXXXX XXXX  They reported the wrong balance and status of account as suspected fraud. I have requested to opt-out of their reporting per ( 15 USC 68-02 ) as well as Inaccurate Reporting per ( 15 USC 16-81 ), Privacy Act of 1974 and 16 CFR 433.3 ( Illegal to report Transaction History ) 2. ) XXXX Report # XXXX / Transunion # XXXX / XXXX # XXXX A XXXX XXXX XXXX XXXX XXXX 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 3 ) XXXX XXXX XXXX A ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness , which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 5 ) XXXX XXXX XXXX XXXX XXXX 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 6 XXXX XXXX XXXX XXXX XXXX XXXX  ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) XXXX XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02 ( opt-out ) C ) 15 USC 68-02-05 ( Payment History Illegal ) D ) Charge-off is a Certificate of Indebtedness, which = Income and that cant be reported on the credit report E ) Privacy Act of 1974 F ) 16 CFR 433.3 ( Illegal to report Transaction History ) 8 ) XXXX XXXX XXXX XXXX ) 15 USC 16-81 ( Inaccurate Reporting ) B ) 15 USC 68-02-05 ( Payment History Illegal ) C ) Privacy Act of 1974 D ) 16 CFR 433.3 ( Illegal to report Transaction History )
Consumer complaint received 2024-01-22
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. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-11
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. (PA)

In XX/XX/2022 I requested that 3 collections be investigated and removed from my credit report after requesting the accounts be investigated. I have not heard anything regarding these accounts and they continue to hurt my credit worthiness.The accounts are below. 

XXXXXXXX XXXX XXXX XXXX XXXX AND XXXX XXXX
Consumer complaint received 2024-05-06
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. (OK)

I just checked and reviewed again my XXXX, XXXX and TransUnion credit reports and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. This is a violation of the 15 USC 1681n for reporting false information and without a permissible purposes.
Consumer complaint received 2024-01-22
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 am challenging you to review your data on file for me! I insist that all inaccuracies or deficiencies of reporting be corrected in accordance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards. The information in my profile needs to be accurate and complete. You can document your verification process for all the data within my credit report by following these standards set forth under Metro 2 compliance and FCRA law, which will ensure that youre meeting deadlines while maintaining accuracy!
Consumer complaint received 2024-01-22
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. (WI)

XX/XX/XXXX XXXX accounts opened in my name at XXXX XXXX secured card company. I did not open XXXX accounts. XXXX is fraudulent, I believe employee theft. That card is on my credit report stopped approval from XXXX mortgage companies stating that XXXX XXXX account was why denial. Lost XXXX dollars on unclosed real estate deal been arguing with XXXX XXXX since XX/XX/XXXX. I sent in XXXX dollars on debit card and never received credit for it. I have receipt. I believe money sent to another account fraudulently. Need XXXX XXXX removed from my credit report now! They failed to post payments to my account with time frame promised in contract making me look like payments are late. No accounting for when payment became available.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PRESTIGE FINANCIAL SERVICES INC (MD)

XXXX and Prestige Financial are conspiring to keep inaccurate information on my credit file. I filed for bankruptcy in XXXX XXXX Prestige has updated the account to show as a charge-off with no information about the bankruptcy in addition the charge-off amount is XXXX XXXX but they are reporting past due XXXX XXXX. I have previously disputed the past due amount with XXXX, Prestige and filed a complaint with CFPB in which I was provided a half-hearted response.
Consumer complaint received 2024-05-06
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)

I received a copy of my credit report and I have found that in accordance with the FCRA you violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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.
Consumer complaint received 2024-01-22
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. (TX)

Un- authorized Inquiries and accounts XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXXXXXX XXXX Account : XXXX REMOVE THIS IMMEDIATELY!!!!
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I recently reviewed my credit reports, and discovered several inaccuracies in the personal and home information listed. It's imperative that this infromation be updated across all credit reporting agencies to ensure accuracy of my credit profile. 

These inaccuracies include addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these, the correct spelling of my name that should be listed as XXXX XXXX XXXX with the updated and only address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I kindly request your assistance in facilitating the correction of these inaccuracies with Transunion, XXXX, and XXXX. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

On XXXX, and EQUIFAX XXXX account stating my business called XXXX XXXX XXXX XXXX owes monies is fraud!!! 
XXXX  was the account, also XXXX sends a XXXX of the account {$0.00} balance as of XX/XX/2024
Consumer complaint received 2024-05-06
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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$2600.00} XXXX XXXX XXXX Balance {$2600.00} XXXX, XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX {$3100.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$2600.00} XXXX XXXX Balance {$1700.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX Balance {$400.00} XXXX  XXXX XXXX Balance {$850.00} XXXX XXXX Balance {$4600.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-22
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. (TX)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-06
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. (TX)

Remove the following account from my credit report due to false and misleading information. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX is reporting the wrong information such as the balance and account activity. I have included the response letter from the original creditor stating that the balance activity was last updated in XXXX, but you are reporting activity in XXXX. The payment information is also inconsistent between all 3 credit bureaus. This is a violation of the FCRA. Lastly, this account has been re-aged and is past the statute of limitations in the state of Texas. This debt has been uncollectible since XXXX. This account is to be removed from my credit report within 7 days of receipt of this complaint or I will move forward with my intent to sue. Please be aware that this is not a third party, and I am standing firm in my belief that your company is furnishing incorrect information causing harm to me as a consumer.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. Per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (GA)

I logged in XXXX and it doesnt show current credit information. i sent my license, social security card, and an utilitiy bill over 2 months ago. 2 times in the last 60 days. Equifaxes systems are not working properly and all the reps do is ask for the same information. and they say to mail the items. there should be a document upload feature to expedite the process. Fax would also be a great idea.
Consumer complaint received 2024-05-06
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. (TX)

The account XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX  ) XXXX is to be DELETED from my credit report immediately. The collection agency responded to CFPB complaint XXXX informing me that the credit reporting agencies were notified XX/XX/year> to remove the derogatory account from my credit report, but it is still reporting. Please see the attached complaint response from XXXX XXXX XXXX and remove this account from my credit report within 7 days. Transunion, XXXX, and XXXX are in violation of the FCRA for furnishing false and misleading information even after they were informed by the collection agency to remove this account. I will be seeking legal action if this account is not removed immediately. It has been over 45 days since you were informed.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio (SC)

Company by the name of XXXX XXXX XXXX started withdrawing money from my account in 2016, I contacted my bank and advise them it was unauthorized and the charges were reverse. However a few days later the same company made another unauthorized withdrawal using the same name but adding symbols, so the charges could go through because the name they first used was flagged by the bank. 

I reached out several time but was unsuccessful on all attempts. After several attempts of them trying to withdraw from my account they disappeared and I heard nothing more for over 7yrs. XXXX XXXX XXXX an collection agency by the name of Vance & Huffman , LLC reported a {$2800.00} to collection on my credit profile for that same company.
Consumer complaint received 2023-09-19
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: 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
Consumer complaint received 2024-01-22
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. (IL)

XXXX XXXX is stating that upon review of my investigation that they will not be removing the fraudulent account from my credit profile. The information they provided was incorrect. They provided an application for credit showing my address as XXXX XXXX XXXX XXXX XXXX, Il XXXX. In which I have not lived at that address in over 5 years. My current address is XXXX XXXX XXXX XXXX XXXX, Il XXXX where the correspondents were sent.This address on the application theyve provided is false. And as a result of the negative account associated with my credit it has mad a traumatic affect on my credit profile. I would like this account removed. Ive sent over several correspondence to XXXX XXXX they have yet to update this information on my credit profile or remove said account.