davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-28
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. (MO)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
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 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-12-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CARS Acquisition, LLC (FL)

On the date on XX/XX/2023 I arrived at Car Financial XXXX services In XXXX. I came very late due to extreme work scheduling. Upon the arrival I had purchased a Money order from " XXXX XXXX '' in XXXX Florida ready to pay an amount down on my car that i had to owe due to " Job loss ''. I gave what i could give that day which was {$100.00}, the verbal Agreement that was given was " I lost my job i just got myself back on track However, You have to give time to catch up and make money I can do {$250.00} bi-weekly but it's going to take time to catch up with late payments and keeping up with a current one because i just starting back to working " The clerk Agreed ( XXXX XXXX XXXX, after I dropped of my money I left and proceeded to try make money to pay off my debt. The company called at XXXX, left a message not regarding what it is so i did not call back because I was working and figured she put my {$100.00} towards my account. However, I found out she did not. I called the company asking for the " money order '', their response was to me " I don't have a money order '' I explained that there is a money order there and i need it back because it was not used towards my account '' She proceeds to tell me " I don't know where Money order is '' I have video Proof of the Place receiving the Envelope stamped and Labeled with their company name on it, I don't know what they did with my money however This is illegal, if they don't have my money order where is it? Who cashed it? The company was rude, hung up in face, and has told me a bold face lie!
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-03-28
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. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Thank you for your response concerning this issue and I apologize for my late response. 

In the response letter I received by mail on XX/XX/2022 it shows the date the application for account ending in XXXX was improved and opened as well as the date the account was closed. With all the information I have, the date this account was opened does not match with the information I received and can use it as evidence, the letter also does not say was the time this account was opened. 

The letter it also shows the date ( in XXXX ) the account was closed, however I am still receiving by mail monthly payments on a Credit Card that I never opened or made any withdrawl from but somehow being responsible for. 

I wish to have my name cleared and not receive any more mailed statements from this account and hope to resolve this issue without taking any legal action.
Consumer complaint received 2022-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

This is about a capital one credit card account opened in my name with remaining balance due of {$460.00} and was opened as of XX/XX/2020, I have not opened any credit card accounts in about 3-4 years.
Consumer complaint received 2024-03-28
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. (NV)

XXXX XXXX I sent a letter to the courthouse asking do they report bankruptcies to credit bureaus an got a letter back stating THEY DO NOT report any bankruptcies to anybody. So if that the case how did the credit bureaus verify these bankruptcies as 100 % accurate They never did a fair investigation according to 15 USC 1681 ACT 15 USC 1681 section 603 ( 3 ) ( E ) states the term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interview with neighbors friends or associates of the consumer reports on or with outhers with whom he acquainted or who may have knowledge concerning any such items of information. however such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
They also violated my rights numerous of times. 
The credit bureaus violated my given rights under 15 USC 1681 According to 15 USC 1681 section 602 A I have the rights to privacy & also states a consumer reporting agency CAN NOT furnish a Account without MY WRITTEN INSTURCTIONS
Consumer complaint received 2024-07-31
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)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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: EQUIFAX, INC. (AL)

I am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX EQUIFAX XXXX INQUIRY XX/XX/XXXX EQUIFAX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is one of 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-03-28
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (TX)

The collection from XXXX XXXX XXXX XXXX  number XXXX - amount of {$4600.00} has not been verified, is being reported to two different credit reports, have not been given noticed about who owns the account/collection, nor has given evidence of authorization to be added to my credit report.
Consumer complaint received 2024-07-01
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$17000.00}
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. (AL)

I am making this complaint today because I have pulled my most recent credit report and I am extremely confused. It is very troubling as these items are reporting as incorrect and inaccurate information. I would appreciate your assistance to solve these problems. I have done research at my end and as you and myself both aware, there are laws that guarantee that credit bureaus report accurate information. According to the FCRA, the information provided should be 100 % accurate, 100 % verifiable, and reported in a timely fashion. I am well aware you have 30 days to complete this investigation. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could possibly result in an investigation by the Federal Trade Commission. 

I must demand that you run a thorough investigation for each and every mistake listed, and a complete report MUST be provided to me after you have completed the investigation. 

I have not given the following company permission to look at my consumer report on the dates your company Reported on my consumer report or at all for that matter. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXXXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX FXXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX INQUIRY XX/XX/XXXX Please see the above inquiries as well. 
The Fair Credit Reporting Act also states that the only permissible purpose for pulling someones credit report is : A ) Firm offer of credit B ) Insurance C ) A court order D ) Employment, for a firm offer of credit, a court order, insurance, or employment. None of the above applies to the inquiries on my credit report. Please erase them immediately. 

Any and all private information should be reporting as the following and other information should be deleted from my credit file : Name : XXXX XXXX Date of Birth : XXXX/XXXX/XXXX Social Security : XXXX
Consumer complaint received 2022-11-17
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. (TX)

These XXXX XXXX XXXX XXXX XXXX accounts are reporting inaccuracies. They have been disputed multiple times where I have requested documentation to verify accuracy. The creditor has not provided the requested documentation and TransUnion only responds with account has been verified which was not the request for the disputes. These 2 accounts have already been removed from XXXX and XXXX for reporting inaccurate information under code 15 US code 1679c but TransUnion has not followed suit. Both accounts are being reported as opened on the same day of XX/XX/2018 and closed only 4 months later on XX/XX/2018. I have not lived in Illinois or been in school in over 8 years. Please have these inaccurate accounts that are being reported deleted from my report immediately
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX, XXXX Account Number : XXXX
Consumer complaint received 2023-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (TN)

My car was repossessed in XXXX due to me falling behind in payments. I fell behind in payments due to my being XXXX and losing my job. I have XXXX XXXX XXXX  and a XXXX XXXX. I have XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have other XXXX as well. American Credit Acceptance told me that I would not be charged a fee for retrieving my personal items from the vehicle. American Credit Acceptance is the lender and they hired a vendor. The vendor 's name is XXXX XXXX XXXX. XXXX  XXXX XXXX hired XXXX XXXX  XXXX XXXX XXXX to repossess my vehicle. I contacted XXXX XXXX XXXX XXXX XXXX to retrieve my XXXX equipment and other personal items from the vehicle. They told me I must pay XXXX dollars to receive my personal property from the vehicle. However, I notified them I was XXXX and did not have the money to pay for ( MY ) personal items. They then got mad and canceled the appointment. My XXXX has become aggravated due to their intentional negligence and trying to take advantage of me. I demand these companies to be held accountable. Also, they sold my vehicle for XXXX dollars on XX/XX/XXXX. American Credit Acceptance informed me I still owed XXXX dollars. However, my credit report still shows I owe XXXX thousand dollars.
Consumer complaint received 2024-07-01
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

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, has violated my rights. 
List : XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IN. XXXX ) Account # XXXX XXXX XXXX XXXX account # XXXX 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.