davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc. (TX)

I recently reviewed a copy of my credit report I was shocked to learn that I have been evicted identity theft I found numerous accounts on my credit report that were not open by me This has been hurting me is I am in the process of buying a home for my family please remove the fraudulent accounts from my account from credit report as soon as possible thank you!
Consumer complaint received 2024-04-26
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. (TX)

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. 

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 2023-12-31
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)

Hello I have several accounts reporting on my credit that is fraud and is not mine I did not open them it is violation of the ( FDCPA ) to report inaccurate and false information to my credit report I have never had validation of any of these accounts and I will send in verification of my identification where I have lived in the past 15 years and I will like for these accounts to be deleted from my credit report this has been so much stress on me and if its not deleted due to fraud and incorrect information and I dont recieve any validation that this was me who opened these accounts that I previously disputed before that was stated they were verified which I dont know how when I did not open them I will take out a lawsuit cause Im clearly sending in a copy of my identification where I have resided for past 15 years thanks
Consumer complaint received 2023-12-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

That on XX/XX/2023 I sent a written notice to XXXX XXXX opting out of credit reporting. XXXX XXXX has yet to respond to my demand.
Consumer complaint received 2024-04-26
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. (GA)

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.\ 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 2023-07-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

A debt which is not mine nor did I agree to for {$270.00} was placed on my credit profile in XX/XX/2023. The original creditor is XXXX. 
The current debt collector name is Waypoint Resource Group. I contacted both XXXX, XXXX to inform both credit bureaus the debt is not mine. Several months prior, this same account was held by a collection agency called XXXX. I disputed the same account held by XXXX ; and it was removed from my credit profiles. Now, it has been resold to Waypoint Resource Group and placed back on my credit files. First of all, this is not my debt, I have not nor have I ever lived at the address the where the account is billed from. I have sent letters requesting XXXX and XXXX to show me proof of a contract such as my signature. They have refused to provide me with proof that I requested, and they sent me a letter stating the debt is accurate.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (TX)

I'm contacting you regarding a matter of concern in my credit file. I've noticed a collection entry from your agency that I was never notified about, and I have significant reservations about the debt 's validity. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I'm exercising this right and asking you to provide the necessary validation and take steps to resolve this issue.
Consumer complaint received 2024-04-26
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. (NJ)

My information was disclosed to a third party without my permissible purpose. 

As per the FCRA, as a Federally Protected Consumer, I am now OPTING OUT of ANY and ALL Authorization ( s ) that I, ( CONSUMER NAME ), may have given the data furnisher ; whether written, unwritten, verbal or non-verbal as per : 12 CFR 1016.7 ( a ) ( 1 ) ( ii ) - Form of opt-out notice to consumers ; opt-out methods 15 USC 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information ***This Opt-Out Authorization is effective IMMEDIATELY and INDEFINITELY!
Consumer complaint received 2023-12-29
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. (NJ)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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
Consumer complaint received 2022-11-20
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: Experian Information Solutions Inc. (TX)

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 XXXX XXXX XXXX. 

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 ( ORIGINAL CREATOR : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  ( XXXX XXXX : XXXX XXXX XXXX ) : XXXX, XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX  XXXX : XXXX, has violated my rights. 

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 2023-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC (TX)

I claim my name, I claim my mind, my soul, my spirit, my birth record as a member of one heaven, and I reject any assumption or presumption of being considered property within a trust under a UCC ; Uniform Fraudulent Transfer Act ( TUFTA ). It involves transferring assets or property with the intention to hinder, delay, or defraud creditors, which is essentially what the act aims to prevent or remedy. The Fraudulent Transfer Act. Could you please provide the documents related to how you comply with accounting standards such as FIN 46 ( XXXX ), IAS 32, IAS 39, IFRS 7, and regulatory codes like Basel II? Specifically, I am interested in understanding how you handle the consolidation of Special Purpose Vehicles ( SPVs ) in line with FIN 46 or IAS 32/IFRS 7 guidelines, and how you ensure compliance with risk measurement and capital requirements as per Basel II . the practice of treating Asset-Backed Securities ( ABS ) transactions as off-balance-sheet items might be considered fraudulent under certain conditions. mens rea In All True-Sale, Disguised Loan And Assignment Securitizations, The Conflict Of Interest Inherent In The Sponsor Also Serving As The Servicer, Constitutes Fraud And Conversion : 15 U.S.Code 1681g 15 USC 1681g 1681g - Request for a full file disclosure and the sources of its information.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarFinance Capital LLC, Irvine, CA Branch (AL)

These companies are doing hard inquiries on my credit reports whenever the feel like it. there are no information on these companies except for the names which are " XXXX XXXX   '', " Carfinance Capital L '', and " XXXX XXXX XXXX XXXX ''.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

XXXX called and got a lower monthly payment. The payment was supposed to be {$290.00}. 

XXXX made first payment of {$290.00} XXXX mohela servicer took {$760.00} of bank account without warning XX/XX/23 called and asked why this amount came out without my knowledge or permission. The XXXX XXXX hung up on us because she didnt want to deal with us. The XXXX XXXX helped us and told us to resubmit for the lower payment then disbute the charge with the bank because they couldnt refund the {$760.00}. The bank froze all my bank accounts and now I cant access anything because mohela took money out they were not permitted too.
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc. (CA)

In XX/XX/year>2024, I received a letter in the mail with a Cash App debit card under my name. I did not take any action to activate the account. I had never attempted to open a Cash App debit card, nor have I made a Cash App account.
Consumer complaint received 2024-04-26
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. (GA)

I sent a letter to transition XX/XX/XXXX and asked them to investigate negative reporting accounts on my credit profile that I am not aware of. They responded and said the accounts were accurate but did not update any information. I sent another letter XX/XX/XXXX and asked for transunion to send me the original documentations of the accounts they claim are mine and if they could not provide it, they need to delete it. Their response to that letter was that I was working with a credit repair company. On XX/XX/XXXX I sent another letter telling them I am not working with a credit repair company and I would like for those accounts in question to be deleted. On XX/XX/XXXX, I received a letter stating that they need more information because they dont understand the reason for my dispute. My last letter was sent XX/XX/XXXX along with all the previous letters I have sent telling transunion that I did not like the way that have handled my disputes and I am filing a complaint since they can not provide me with any documentation stating that the accounts in question belonged to me. It's been since XX/XX/XXXX that I have been writing letters to transunion and they are not taking my disputes seriously. Since they have had 4 months to provide me with relevant information and they have not, I am requesting the CFPB to now have transunion delete those negative items reporting on my profile that I am not aware of. It is hurting me as a consumer.
Consumer complaint received 2023-12-29
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2024-04-26
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 Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00}
Consumer complaint received 2023-12-29
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. (GA)

I am writing to complain to TRANSUNION about the reported incorrect and inaccurate information on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX and my name is XXXX XXXX XXXX. My birthdate is XX/XX/. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove the fraudulent account as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular item you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Consumer complaint received 2023-12-28
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)

For many years I have been trying to build my credit, and due to unfair reporting from Transunion and creditors, I have not been able to do so. Transunion also had my account locked for many years without my acknowlegement until this year after finding out. I keep having to dispute inaccurate loan amounts, addresses, and including the spelling of my name and etc. Transunion also kept inquiries on my account for many years that should have been removed.Within the last month I had applied for 2 rental properties that do tenant screening through Transunion. I was denied because of low resident score. From XXXX XXXX XXXX it dropped to XXXX from XXXX. I called both Transunion Call Center, and their rental XXXX XXXX XXXX and I was not given a good answer as to why it dropped so fast. I been renting for many years, and has not had any judements, leins, or etc against me.I do not have many deliquent accounts. I been having to dispute for months regarding XXXX XXXX XXXX XXXX reporting inaccurate loan amount due. Transunion would investigate and conclude that its update, even after I told them amounts paid. I have attached proof of payments at the bottom. THis is not the only one. XXXX XXXX XXXX XXXX who is own by XXXX XXXX XXXX has been doing the same as well.
Consumer complaint received 2023-12-28
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 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 2023-11-08
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)

I recently reviewed a copy of my credit report and I was shocked to learned that I had numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove fraudulent accounts from my credit report as soon as possible.
Consumer complaint received 2024-04-26
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)

PLEASE BLOCKED AND REMOVED I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.
Consumer complaint received 2023-12-28
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)

Contacted company a little over XXXX XXXX ago to opt-out of sharing XXXX  personal information/data to XXXX  parties ( XXXX, XXXX, Transunion ) XXXX XXXX  consumer report still has not been updated and its been past XXXX  days. They are in violation of the XXXX Law XXXX XXXX Privacy of XXXX XXXX XXXX. I would like the specific account removed from XXXX  XXXX  exercising XXXX  rights pursuant to XXXX XXXX. XXXX Obligations with respect to disclosures of personal information and XXXX XXXX. XXXX Opt-Out enforcement which all coincides with the United States XXXX XXXX XXXX Privacy Act of XXXX  establishing a Code of Fair Information Practice.
Consumer complaint received 2023-12-29
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. (AL)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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.