davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings (TX)

This notice is correspondence to a letter received from your company on ( XX/XX/XXXX ) where you state you are attempting to collect a debt of {$6200.00} owed to the person XXXX XXXX. 
According to 15USC 1691 ( c ) Ceasing Communication ; If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the Consumer with respect to such debt.

I dont have an agreement with IQ DATA INTERNATIONAL INC that proves I owe your company and I refuse to pay this alleged debt of {$6200.00} that your company made up out of thin air. My balance with XXXX XXXX is no where near that. Cease and desist all collections activity immediately! 

Pursuant to - USC 6802 Section ( b ) OPT OUT ( 1 ) In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.

( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.

IQ DATA INTERNATIONAL INC may not disclose my personal information to any third party for any cause, as I am exercising my nondisclosure option pursuant to the section above.

Your offenses to reporting this alleged debt to collections amount to AGGRAVATED IDENTITY THEFT pursuant to 18USC 1028 ( A ). You have knowingly transferred, possessed or used a means of identification of me without lawful authority which is a felony with civil liability and defamation. 

Under the New Rule REGULATION F which took effect on XX/XX/XXXX, by reporting this account and parking this alleged debt on my Consumer Report, you are violating the FDCPA & XXXX and its new rule you must CEASE AND DESIST ALL COLLECTIONS ACTIVITY NOW.
Consumer complaint received 2024-07-14
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)

I would like to request removal of fraudulent inquiries from my credit report. According to Section 605B of the FCRA, a consumer reporting agency must block the reporting of any information on file of a consumer that the consumer identifies as resulting from identity theft within four business days.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I was trying to get along through Huntington Bank with there be a loan or credit cards and Ive been rejected several times. My credit score is up to XXXX to XXXX and I gave them everything I needed. I filed bankruptcy over 20 years ago and theyre still holding it against me when any other company that Ive tried to get credit cards through. I got them XXXX except for Huntington Bank, I feel is still Im being discriminated against my employment history. I have a good employment history. Im work for XXXX XXXXXXXX XXXX XXXX and I saw on my check stubs in XXXX months into the year. Im at {$100000.00} so you tell me how come I cant qualify for {$8000.00} loan to do repairs on my house. This has been happening several times through the process very disappointed and feel like Im being discriminated against by Huntington Bank.
Consumer complaint received 2024-06-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

Experian quoted that they will not remove the derogatory item on my credit report from XXXX XXXX. They failed to show the accuracy of my credit report. Therefore, the item should be removed due to the proof of accuracy on my credit report from all XXXX bureaus
Consumer complaint received 2024-06-04
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. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. This is in Violation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Here are 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
Consumer complaint received 2024-06-18
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: Real Time Group, Inc. (NY)

I had a loan with XXXX XXXX XXXX company on XX/XX/XXXX. Without my knowledge or my consent the loan 's ownership was transferred to a company called XXXX XXXX. I can not find any information on this company online or anywhere else. I have never received any correspondence or documentation from XXXX XXXX. I was told XXXX XXXX XXXX continued to service this loan. The current creditor is listed as XXXX XXXX. I was informed that Real Time Resolutions is the new servicer of this loan. Real Time Resolutions has requested the letter regarding the transfer of ownership from XXXX to XXXX XXXX, as of XX/XX/XXXX RTR is still awaiting a response from XXXX XXXX. Additionally, I believe this is a time-barred debt. RealTime Resolutions just sent me a letter that there is a lien on my property. I need to see the letter notifying me of the transfer of the loan from XXXX to XXXX XXXX. My account 's current creditor is listed as XXXX XXXX ( I have no knowledge of this company ) and the account 's original creditor is listed as XXXX.
Consumer complaint received 2024-06-04
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 XXXX  ( XXXX XXXX XXXX  ) # XXXX {$15000.00} The above account is not mines. I have asked the credit bureau to remove this account over 5 times. I have no knowledge of this account. FRCA states everything reporting should be 100 % accurate and true. Please remove this account from my report. THIS IS NOT MINES
Consumer complaint received 2024-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Chime Financial Inc (MA)

XX/XX/year> XXXX of {$30.00} & {$5.00} as well as first notification of any amount due for a " My Payday '' loan. Prior to this date there was no notification of any amount due, or any amount to collect. When calling on same day was transferred multiple times, multiple agents unsure of what fee is for. When on the phone I got 1 email stating amount due, but not why it was due. There have been many transfers going in and out of my account through out the 2 years I have had the account and many in the past 3 months. Not a single transfer was subject to any fees or due deductions. I find it suspicious that multiple transfers were assessed that equaled the exact amount of money I had transferred into the account, as well as, that I had not received any notification of any amounts due prior to this day/ phone call and the email I did get was unprompted. I had asked to speak to a manager multiple times and the agents refused. I believe who heartedly that this is scam.
Consumer complaint received 2024-06-04
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. (SC)

I recently attempted to purchase a car and discovered inaccuracies on my credit report. According to 15 U.S.C. 1681, there should not be any such errors on my report. These inaccuracies are damaging to my reputation.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (NY)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report.

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report.

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XX/XX/ Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future.

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report.

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-04
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)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-06-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (KY)

I purchased a used XXXX XXXX XXXX with XXXX miles from XXXX XXXX XXXXXXXX financed through Credit Acceptance Corporation on XX/XX/XXXX. APR is 23.99 %, Finance Charge is {$17000.00}, Total of Payments is {$39000.00}. My credit score was in the XXXX when I applied and at the time I was probably making in the low XXXX range for income I believe. I feel as though I was not accurately informed about all of the costs when I was I was purchasing this vehicle. I didn't really find out about how much the monthly payments could be with interest until after I had already signed, and this cost was very steep given my income and credit history. I feel as though my lack of knowledge as a consumer was used as a pretext to give me a very expensive used car loan to a working class person with limited credit options. I believe Credit Acceptance and the dealer created a loan agreement that was unaffordable and designed to have me default. They sold on extended warranty and gap insurance by encouraging it as necessary despite the fact I did not want this, which has compounded my inability to afford this car. I feel deceived about how much this car actually cost, and speculate whether being a XXXX woman with low credit and moderate income was a factor in their decision to give me a highly unaffordable loan. I believe this loan and interest rate is predatory and predicated upon what they believe is my inability to pay.
Consumer complaint received 2024-06-04
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. (MI)

As I'm paying off my auto loan, I noticed many late payments that are reporting. I do not believe all of these late payments are accurate. It is very important for me to have a correct and accurate report, as it is also the law. My XXXX XXXX account is inaccurately showing late payments. Please investigate and provide proof with statements showing late payments. If these late payments can not be verified, please remove and update to positive status.
Consumer complaint received 2024-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I closed my Capital One credit card on XX/XX/year>. I had a {$0.00} ( ZERO ) balance due. Upon which time I deleted the app and account information on my end. 
I received my 'final statement ' by mail for XX/XX/year> showing a - {$10.00} credit balance. I assumed eventually they would mail me a check for the balance owed. 
Then I received a letter, by mail, stating upon review of my account, I owed {$1100.00}. I called to inquired what this was for and asked for details to be sent to me which I never received. 
However, after looking on my end, I saw it was a duplicate credit and I owed a balance. 
I immediately sent payment on XX/XX/year> ( ACH ). 
- {$10.00} ( credit ) + {$1100.00} ( duplicate credit ) + {$19.00} ( interest ) = {$1100.00} I assumed case closed, account closed .... DONE. 
Instead they continue to charge my CLOSED account with interest and late fees. I had NO IDEA this was happening because the account was closed and I deleted the app. NO NOTIFICATION ever received by mail or email from Capital One either. 
I have called XXXX trying to get it resolved. I only get a call center somewhere in the world that tells me they have no power to do anything. No other recourse. 
I mailed a letter to them XX/XX/year> disputing all of this. I will never pay this amount as it is not owed. I think this is a deplorable practice and should not be allowed.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (CA)

I have recently review my consumer credit report and noticed this fraudulent account on my consumer report by Jefferson financial.

i have reached out to have this removed unless they can provide a purchase agreement between myself, Jefferson Financial, and the original creditor.

letter was sent a month ago all that I received is a contract with the original creditor.

I demand a PURCHASE AGREEMENT of between the 3 parties involved.

Failing to do so I have the benefit of doubt this is not my collection nor have any business with Jefferson Capital.

Exercising 15 U.S.C 1692 C ( c ) cease and desist from the company reporting to my consumer report and all communications.

I demand this be removed from my Consumer Credit Report immediately.

( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Consumer complaint received 2024-06-17
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. (FL)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Equifax is reporting wrong information about me on my credit report XXXX XXXX XXXX XXXX XXXX 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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

I received a collections letter from XXXX XXXX XXXX for {$7100.00} amount due. 

I have never been to Maryland, I have owned and lived in my home in XXXX, California since XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-14
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)

I reviewed my Consumer Reports and noticed that I had two late payments on accounts that I was never late for. 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 have never been late on payments for the accounts ( XXXX ) : ( XXXX ) and ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks.
Consumer complaint received 2024-06-06
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. (CA)

I was a victim of identity theft and I am currently in distress and suffering from XXXX because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report.