davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? XXXX, TransUnion and XXXX, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report XXXX different last active dates! Are you purposely trying to get sued for breaking the law?? 
Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.
Consumer complaint received 2023-11-22
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 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.

Please see above LAW, this isn't a request to verify this is the law that clearly states that I have the right not to have companies report to my credit without a WRITTEN REQUEST FROM ME, which at no time have I ever given WRITTEN PERMISSION.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-19
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. (VA)

Account name : XXXX - Acct. # XXXX, Account name : XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # 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 an 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 2023-05-19
Product: Credit reporting, credit repair services, 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. (VA)

Transunion continues to reestablish accounts as if they are current but they are old and paid off, they have accounts dated for 2023 as being new and the accounts are not only old but the information is not correct- XXXX XXXXshows derogatory, account was paid off, not discharged in XXXX  XXXX XXXX XXXX XXXX XXXX So this greatly reduces my credit score, I believe it is some fraudulent tactic that the credit bureau does and they have never been addressed about the issue. I have lost 2 apartments because of this egregious tactic.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tesla, Inc. (IL)

We had put a {$250.00} deposit in a Tesla in XXXX  even though being XXXX  residents since we're moving to XXXX. We were ready for our trip there and they called us 1 hour before and told us they couldn't approve financing through Tesla. So we cancelled our order and our flights there to buy the car. 3 hours later they called us telling us they instead ran our credit for 3rd party lenders, after we cancelled which my husband and I never authorized. We had already cancelled the order and never agreed with this. Now my husband XXXX XXXX and I both have hard credit pulls on our account from banks we never heard of or authorized. Tesla in XXXX, XXXX  did this without our consent and after we cancelled the order. We were never notified that they did this until getting alerts from our credit card company that this was ran. I have tried calling them multiple times to confirm they did this and they keep sending me to voicemail and not answering my phone calls.
Consumer complaint received 2024-01-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Violation ( s ) of : Consumer Financial Protection Bureau V Portfolio Recovery Associates, US District court Eastern District of Virginia Case 2:23-cv-110. 

Portfolio Recovery Associates has violated the letter of the above named stipulated order entered between PRA and the CFPB. They have sued me in " PORTFOLIO RECOVERY ASSOCIATES , LLC vs. Hontas Farmer Case No. XXXX in the XXXX XXXX XXXX XXXX XXXX Illinois. 

In doing so they did violate almost every provision of this order. Most directly and clearly they have violated the requirement of the order regarding " Initiating any Debt Collection Lawsuit in which Defendant is suing under a breach of contract claim unless Defendant ( PRA ) possesses documentation of the original contractual terms and conditions applicable to the debt. " PRA is allowed 30 days to send the Terms and Conditions. In a letter from their attorney XXXXXXXX XXXX XXXX they reiterated that these XXXX and XXXX  would be sent within 30 days of service of papers. Service of papers was on or about the XXXX of XXXX it is now the XXXX of XXXX. That is the clearest, most concise and most direct violation. 

They have violated other aspects of this order. 

The plaintiff did not provide documentation that is compliant with the above referenced order, CFPB v PRA, for initiation of a lawsuit under the theory of breach of contract. 
a. The alleged OLAD provided does not show a purchase or payment, and certainly is not a document signed by the defendant as stipulated in the order from CFPB v PRA. 
b. No document signed by the defendant has been provided agreeing to this debts stipulated in the order from CFPB v PRA. 
c. No document disclosing the full terms and conditions of this contract have been provided at time of lawsuit initiation, as stipulated in the order from CFPB v PRA. 
d. They have not provided at time of lawsuit filing a listing of the names of all prior owners of the debt, each specific bill of sale for each specific time the debt was sold. 
e. Finally, the above mentioned failure to provide the original terms and conditions of the contract when suing for breach of contract within 30 days of lawsuit service. This was not done, and has not been done as of this date. 

Furthermore, I have informed them of my strong suspicion that this debt is utterly false, either the resurrection of an already paid debt or a debt invented from whole cloth. As evidence of this the outfit that I supposedly owe the original debt to has since granted me a credit line of XXXX dollars. Logically if I simply never paid them that would not happen. 

As of right now the case is pending with a case management date in XXXX of XXXX At which time, or close to this time I intend to move for dismissal on the grounds that this order has been breached, and that their case lacks merit. Either order like Consumer Financial Protection Bureau V Portfolio Recovery Associates, mean something or they do not. We'll find out.
Consumer complaint received 2023-11-22
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. (VA)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or 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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have 4 late payments on my credit report from XXXX XXXX  in the months of XXXX and XXXX of XXXX and XXXX and XXXX of XXXX this information is incorrect and I would likeit to be removed please. I did a dispute several times and they mention that the score will be updated. still shows on my credit report to this day.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Creditor Name : XXXX XXXX ( Bank ) Date : XX/XX/23 Action : When contacting TransUnion and XXXX to remove inquiry they advised me to contact the creditor which I did. The creditor would not assist me in the removal of the inquiry so I am filing a complaint with the CFPB.
Consumer complaint received 2023-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-06-06
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: Waypoint Resource Group, LLC (WA)

On XX/XX/2023 I submitted a complaint through the CFPB complaint # XXXX stating WAYPOINT RESOURCE GROUP was using Color of Law to publicize and furnish inaccurate and private information that has resulted from its own acts of Fraud and Identity Theft as defined by 15 USC 1681a ( q ) using extortionate means to collect on debts not owed which is a crime. 

In the attachment I requested this agency provide PROOF it acted with Lawful authority when it obtained and shared my information to consumer reporting agencies, and in their CFPBn response they FAILED to do so. 

On XX/XX/2023, someone by the name of XXXX XXXX XXXX responded to that CFPB complaint on behalf of WAYPOINT RESOURCE GROUP stating that after investigating my claim, and making attempts to contact their alleged client ( assuming this is the alleged original creditor ) and that she coded the account as FRAUD in their system ; However she failed to confirm the account would be deleted form all third party consumer reporting agencies. 

This is another violation of federal law 15 USC 1681s-1 ( a ) ( B ) which clearly states : " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Consumer complaint received 2023-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

XXXX unauthorized charges filed on debit card. Worth XXXX dollars in total. XXXX is claiming none of the charges pop up on their end. I filed a claim through wells Fargo XX/XX/23 and it was denied.
Consumer complaint received 2023-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, XXXX rented a car for me from XXXX as XXXX did not have a part in stock to repair my car. The rental was returned to XXXX on XX/XX/XXXX. On XX/XX/XXXX, XXXX charged my credit card {$100.00}. stating that it was the unpaid balance. I immediately disputed the charge after a promise of a call back from the branch manager XXXX didn't occur when trying to settle the matter. XXXX submitted and invoice showing XXXX XXXX XXXX paid {$3700.00} and XXXX paid {$170.00}. Capital One ruled in XXXX 's favor. I opened a CFPB complaint and Capital One refunded my account " as a courtesy ''. At the time, I clearly indicated that I did not agree to pay ANYTHING to XXXX  for this rental. On XXXX XXXX, XXXX, XXXX charged my account {$3700.00}. When I asked Capital One how they're allowing XXXX to charge me when they previously sent documentation stating that this amount was to be billed to XXXX, their response was that they could not use the merchant 's statements against them. I forwarded the conversation between XXXX XXXX and XXXX XXXX  between XX/XX/XXXX and XX/XX/XXXX showing that XXXX  acknowledges their error that I do not owe this amount and should never have been charged. XXXX also maintains they are unable to refund my card. However, on XX/XX/XXXX, XXXX refunded my card $ XXXX the amount of the previous dispute. Capital One responded that I have the burden of proof to show that XXXX was paid for the transaction even if I never agreed to pay it. I contacted Transaction Support. The agent agreed that it's clear I should have never been charged and the merchant knew something was wrong, but the person who created the claim classified it as " Paid by other means '' instead of " Merchant billed more than agreed '' and offered to transfer me to a supervisor, which I accepted. I spoke to XXXX and explained. I directed her attention to the documents I submitted which shows I checked " Merchant billed more than agreed '' which was {$0.00}. She conceded that she clearly sees I should have never been billed, but suggested I should demand the money from XXXX since they promised me the rental and that they perhaps gave XXXX  my credit card information, which is not true. I would need to get a proof of payment from XXXX and submit proof they paid their bill. She told me she would not assist me further and pushed to end the conversation.
Consumer complaint received 2024-03-22
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: Experian Information Solutions 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 with EXPERIAN.COM 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 ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-11-22
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Or 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 2017-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

When viewing my   XXXX       XXXX   XXXX  , 20 17 cr edit report under : report-summary > account-summary >    XXXX   I s ee I have a total  :   XXXX    open account  XXXX  collection accounts Time since negative : Never This I found very misleading as it says, the time since the last late payment or other negative event was posted to my credit report is " Never '' I continue to Accounts > Open-accounts > pg.3 to se e my CapitalOne account Status : " Negative '' The same page also states "  XXXX  has no closed accounts on file for you as  of   XXXX   XXXX   2017 ''  Finally I reach the Account-details Tab Where my Capit  al One account is reflecting a 60 day past due payment ; so now I 'm really confused!
CapitalOne never reported any missed or late payments previously yet my account Status is negative showing late payments and in the same report  XXXX  reported that " The amount of time that has passed since the last late payment or other negative event was posted to your credit report '' is " Never '' I feel the information being provided to me as a consumer in regards to my credit report are false and misleading.
I 'm providing a copy of my Capital One payment history. Along with my credit report, as I have viewed at  XXXX
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX  was paid in full but still reporting on my credit report as charge off. And not a paid charge off. I have two complaint numbers still reporting the in correct information. XXXX and XXXX.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I checked my credit report and noticed that there were unauthorized inquiries showing without permissible purpose that i did not consent to and id like to have them removed. I tried contacting this company directly and struggled getting a representative on the phone. The inquiries id like removed are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX