davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX  ; XXXX, {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX XXXX {$3400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX XXXX {$6500.00} XXXX OF XXXX  ; XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3000.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1200.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. XXXX, Transunion, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.
Consumer complaint received 2024-05-09
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. (GA)

XXXX, 2023 paid and closed on report. I paid more than the balance stated. I paid the amount of {$300.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). I told XXXX XXXX to send a dispute or letter to resolve and have this removed off of my report with all credit bureaus once I pay the amount to resolve. When I saw that nothing was resolved I disputed it off of my credit report. However, it still is not fixed.
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: OneMain Finance Corporation (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

I was gave a warranty on the vehicle, I only drove the car for a week before it started having electrical issues. The car dealership I got it from was drive time and I made several complaints to the lenders and dealership owner but he closed his carlot down as soon as I made the complaint. The onemain clients were very rude and so was the guy who sold me the car. Theyre violating my rights by calling and discussing my debt and my personal reasons with others. I also have valid proof of all this unprofessional behavior. I get calls from personal numbers outside of their workspace also discussing a payment when the car doesnt work and my warranty wasnt given to me as promised. I want this resolved and this car removed immediately. I had a XXXX mile warranty and never got the proper services they offered. It was false advertisement and the loan agency is just as rude.
Consumer complaint received 2024-05-08
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. (FL)

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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$710.00} and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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.
Consumer complaint received 2021-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC. (CA)

I Consumer XXXX never entered into a consumer credit transaction with ECMC. I used my credit card as defined under 15 USC 1602 ( l ) with XXXX in 2004. Somehow ECMC has taken my credit and got a loan and has begun to violate 15 USC 1692e because they falsely represented the status of a debt.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-05-09
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)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 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/year>
Consumer complaint received 2024-05-08
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. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Please take a look at the attached letters and ID docs for verification that it is I 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 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I previously filed a complaint with this CFPB about Capital One when it violated its credit card agreement by charging interest during a month when I paid the entire balance. In XX/XX/2023 the company responded to CFPB that it needed more time but responded to me only by raising my credit limit, which I had not requested. 
Since XX/XX/2023, my only income has been $ XXXX stipend to work full-time for a not-for-profit organization. I used credit for necessary expenses and am now over the limit. The minimum payment the company is demanding is more than $ XXXX. I continued to make minimum payment for many months when the money was critically needed elsewhere. I was unable to pay auto insurance due XX/XX/XXXX and am therefore in jeopardy of losing the $ XXXX stipend and having no income and way to eat. 
I tried to contact Capital One to request a payment plan rather than be forced into personal bankruptcy and have found there is no way to do this.
Consumer complaint received 2024-05-07
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. (PA)

I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.
Consumer complaint received 2024-07-03
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. (UT)

FTC Report Number : XXXX : TransUnion, XXXX, XXXX is reporting Fraudulent addresses that aren't my current address when I called all three agencies I was declined to remove the address after submitting my Identification by mail they still refuse to update my address. I never lived at these address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I have inquires on my credit report that were unauthorized on my credit report : Report number XXXXXXXX XXXX inquires : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX hard inquiries : XXXX XXXX XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion and XXXX are reporting Fraudulent Bankruptcies on my Credit Report as well REFERENCE NUMBER XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX UNDER Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 I'm a victim of identity theft!
Consumer complaint received 2024-05-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX claims I gave them my permission to set up a loan. In fact, I never did and specially not with " TD AUTO FINANCE '' ( who does not exist ) They are from another state practicing issuing of loans and I am attaching the letters of their explanation of why they signed me up for a loan without my consent and most importantly with an expired business license. Also if you look them up TD AUTO FINANCE in the state of Missouri there is an action class lawsuit in which they already have a bad reputation. Please advise on how to close the loan and absolve me of any debt owed to " nobody '' in simple terms. Also XXXX is involved and has to pay me over {$13000.00} in money paid into a fake loan. I will also attach receipts. The most give away part of their schemes is that they refused to access my account on the bank website which again, is a fake website. When you call you will notice that this is the same scam they did in Missouri : the customer contact line is always jammed and takes 2-3 hours to answer and by the time you call every department happens to be " closed '' and although they are from Missouri, the contact call center is in XXXX XXXX XXXX  XXXX To make things more confusing, they refuse to mail me a letter of sale of the auto they repossesed, because yes I stopped paying when I noticed they were a scam. If you want to investigate, do so. I am not the only person filing complaints agaisnt them.
Consumer complaint received 2024-05-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Patient Accounting Service Center (OR)

I was called by ARstrat Collections of Sugar Land Texas in late XXXX, was informed that I owed money for a laboratory test of {$340.00} roundabout. I disputed the claim consistently by saying that I was paying under duress because this laboratory procedure was a simple salt test. I'm very insightful on these procedures because I work for a billing company inside the medical field and have a long medical background. I've been paying on the debt XXXX per month and have kept good records of my payments. In XXXX of this year, I made a payment of with the mailed statement from ARstrat reported my balance was XXXX making the new balance XXXX. I did not receive a statement in XX/XX/XXXX and so to my fault did not make a payment. On XX/XX/XXXX. I made a payment of XXXX that should have brought the balance to XXXX. When I prompted the call center person for the new balance as I always do, I was told the balance was XXXX. I requested insight to why my balance was up nearly XXXX $ and was told by a supervisor I would have an explanation in a week. There was no call. I called back and was told they were resolving the issues and would receive a letter explaining everything including why the price of the lab was 3x the normal hospital charge. Today, XX/XX/XXXX I called to inquire what the current balance was and to see if the issues had been resolved and I was told the balance was XXXX, ( the original balance ). Not only is ARstrat not resolving the increased balance issues with this collection, but the balance also continues to increase with no further changes or contact with the hospital system it originated from. 

With out asking them each time what the current balance is they would most likely continue this fraudulent practice of increasing the amount and collecting. I'm very curious how many people are continuing to pay that have likely met their balance.
Consumer complaint received 2024-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I refinanced both my Mohela and XXXX XXXX loans through XXXX. Mohela has failed to properly credit my payment to XXXX balance. I have called and spoken with people in person. I have faxed proof that XXXX has submitted payment in full on XX/XX/year> and they still have not applied the payment correctly. The loan servicer is not working to clear this matter up. XXXX at their customer service line provided me with the excuse that they have changed their mailing address for payments even though the address used is currently online on their website. I do not want to continue to accrue interest on these with Mohela therefore I have been advised to contact you.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Dear Sir/Madam : I am disputing my accountwith XXXX. Please verify this debt as required by the Fair Debt Collection Practice Act ( FDCPA ) ( section 1629g ). Federal and state regulations require all debt XXXX to send specific written documentation verifying the debt. Under these rules, verification requires all of the following : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge. 
I dispute this debt because Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the tradeline from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. Aside from verifying the debt, do not contact me about this debt. The FDCPA requires that you honor this request.This account was originally reported late 30 days by original creditor in XX/XX/year>. I have asked this information verified. I would like statements from the original creditor since this account was opened. XXXX XXXX has 3 different dates of the 1st date of delinquency on each creditor agency. XXXX XXXX has been sued by CFPB in the past for this same actions. XXXX must have all monthly statements since account was opened to properly established a 1st Date of Delinquency.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found XXXX XXXX XXXX accounts on my credit report that were not open by me. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have already contacted the Federal Trade Commission and filed a complaint # XXXX. I kindly request that you block and eliminate all information from my credit report and provide me with an updated copy of it in accordance with FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these accounts within 4 Business Days of receipt, I urge you to block and remove all information related to Identity Theft. XXXX XXXX XXXX XXXX Account number : XXXX. Moreover, in accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I am demanding actual proof that the information was verified, rather than a computer-generated confirmation. Please provide the following : 1. The names and business addresses of each individual with whom you verified the information above, so that I can follow up. 2.The date on which you contacted the individual information furnishers. 3.The method of communication used to verify the information.
Consumer complaint received 2024-07-30
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. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 XXXX XXXX XXXX XXXX XXXX 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 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXX XXXX XXXX, XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Sincerely XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address
Consumer complaint received 2024-05-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.