davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-08
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. (TX)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Consumer complaint received 2024-01-08
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. (VA)

Just like other negative records, XXXX XXXX XXXX should be scheduled to be automatically removed, or purged, from our credit reports after a specific time-period. 
Furthermore, for a XXXX XXXX XXXX case, the time frame is seven years after you file for bankruptcy. That means you can expect the record to be removed from your credit reports at the seven-year mark without any effort on your part. My bankruptcy was actually dismissed on XX/XX/XXXX XXXX XXXX 
Ive already challenged this with XXXX and, thankfully they recently removed this item. 
Please delete this item ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thank you in advance for your assistance with this matter.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following account that have breached these legal provisions : ACCOUNT NAME AND NUMBER : XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2024-07-25
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. (OH)

My Identity was stolen since last year in XXXX two auto accounts appeared and along with many inquires and an install account about a month ago showed up. I have disputed these account multiple times as ID theft and they refuse to remove or block the accounts because the furnisher is disagreeing.
Consumer complaint received 2024-01-08
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. (CA)

In XXXX of 2023 I sent XXXX, XXXX, and Transunion the following complaint. 

" I have suffered identity, theft, and fraud. I never consented to the following accounts, or have any recollection of any transactions. Please BLOCK and remove all fraud within four days as pursuant to the FCRA. Please exercise your grave responsibility to ensure that my privacy is respected and honored. '' The XXXX account was blocked and then rescinded with no lawful authority to do so. 
Pursuant to Title 15 USC 1681 c-2, the following consumer reporting agencies only have the lawful authority to rescind or decline to block under the following conditions. 

15 USC 1681c-2 ( c ) ( 3 ) - Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 


SO WHAT NEW INFORMATION DID YOU RECEIVE THAT WOULD GRANT YOU AUTHORITY TO RESCIND MY BLOCK!!!
Consumer complaint received 2024-05-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NC)

On XX/XX/XXXX, I signed up for the Citi Checking offer where I would receive a {$300.00} bonus within 30 days of making two direct deposits within 90 days of account opening. I made the XXXX direct deposits on : XX/XX/XXXX ( {$1100.00} ) and XX/XX/XXXX ( {$1200.00} ) this met the criteria for the bonus per the terms of the offer. The Citi customer service representative confirmed this as well and stated I will have the bonus no later than XX/XX/XXXX. I have not yet received the bonus and my most recent call to customer service was not helpful providing insight on if and when the bonus was going to post to the account. Attached is the welcome email showing I was enrolled in the bonus offer and a screen shot of the dates/amount of the direct deposit from my employer.
Consumer complaint received 2024-01-08
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. (TN)

It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2024-05-25
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. (TN)

I recently request information from the company and asked for all fraudulent items be removed due to fraud and inappropriate reporting I sent everything over including a police report and documents supporting my claim. I provided information as well as an attention by a consumer who identifies me as an victim of debt XXXX
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/year> while negotiating for a vehicle purchased I stated verbally several times that I declined for a dealership to run my credit. I explained several times that I already secured financing on my own through my bank and did not want them to run my credit at all because there is no need. I said do not want my credit and declined to give them my Social Security number. They ran my credit anyway and the inquiry is showing up on my credit reports as dated XX/XX/year> for credit report pulled by XXXX XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. This is XXXX days after I signed paperwork for purchasing a vehiclewithout consent for running my credit. I never signed a notice of motor vehicle credit application so I dont understand the backhanded move to run my credit without my consent. I did sign a notice that all of the interactions inside their building are recorded including the several conversations that happened where I stated do not run my credit. Im submitting this complaint so this business starts to actually listen to their prospective customers and not just do whatever they want.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LDF Holdings, LLC (FL)

I took a loan with this company in XXXX due to unexpected financial hardship and I was unable to pay any bills. I lost multiple jobs during this time and I have been denied ANY ASSISTANCE causing me to lose my vehicle. They have forgiven the debt, HOWEVER IT CONTINUES TO BE ON MY XXXX REPORT ALONG WITH EVERYTHING ELSE AND I AM ASKING THAT IS REMOVED BY XXXX OR I WILL CONTINUE TO COMPLAIN AND SUE FOR {$25000.00}
Consumer complaint received 2023-04-04
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: EQUIFAX, INC. (MI)

XXXX  XXXX XXXX, XXXX XXXX, XXXX, and Equifax is reporting 3 late payments on my credit report therefor prohibiting me from obtaining any new credit accounts with any other financial institution. In addition to that because of this my credit score has dramatically decreased.
Consumer complaint received 2024-05-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (FL)

I TOOK OUT A LOAN WITH THIS COMPANY IN XXXX DUE TO FINANCIAL HARDSHIP, I HAD THE INTENTION OF PAYING THIS LOAN BACK, HOWEVER I WAS TERMINATED FROM MULTIPLE EMPLOYERS LOSING EVERYTHING I OWNED LEAVING ME HOMELESS AND UNEMPLOYED IN WHICH I HAVE BEEN SINCE XXXX ALONG WITH XXXX SUPPORT FROM ANYONE ALONG WITH XXXX UNEMPLOYMENT BENEFITS, I HAVE ASKED FOR THIS DEBT TO BE FORGIVEN MULTIPLE TIMES ALONG WITH PROVIDING HARDSHIP DOCS AND I EXPLAINED THAT I HAVE NO MONEY OR ANY RESOURCES. I WANT THIS DEBT FORGIVEN ALONG WITH {$25000.00} FOR LOST WAGES AND FINANCIAL DURESS BEFORE I SUE THEM!!!
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (PA)

RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN I received a letter dated : XX/XX/year> from NATIONAL ENTERPRISE SYSTEMS with the verbiage : " This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' I refuse to pay this alleged debt. I do not now, nor have I ever entered into a contract with NATIONAL ENTERPRISE SYSTEMS. This is an extortion attempt, fraud and material misrepresentation. At no time will I ever assent to the terms contained within their communication. NATIONAL ENTERPRISE SYSTEMS is also attempting to deceive me as a consumer by sending this communication to me in the first place knowing THEIR actions are fraudulent. NATIONAL ENTERPRISE SYSTEMS has compiled a misleading communication knowingly and has taken specific action to conceal the material fact that we are not in contract and that no such item exists. NATIONAL ENTERPRISE SYSTEMS also included copies of fraudulent documents with their communication. As a debt collector/buyer, NATIONAL ENTERPRISE SYSTEMS is well aware that providing misleading statements is a direct violation of the Fair Debt Collection Practices Act. NATIONAL ENTERPRISE SYSTEMS does not nor have they ever received a judgement nor can they provide verification or validation that such a judgement exists. DO NOT CONTACT ME any further ; cease and desist from any/all collection attempts and attempts at placing any statements or items or any of my consumer reports or you will be in violation of the FAIR DEBT COLLECTION PRACTICES ACT, The Fair Credit Reporting Act and all federal laws governing consumer credit transactions. I also demand NATIONAL ENTERPRISE SYSTEMS to provide a copy of their license to even attempt to collect anything in the state of PENNSYLVANIA as well as provide their certificate issued from the Pennsylvania Commissioner of Insurance. Please see complaint # XXXX ; addressing NATIONAL ENTERPRISE SYSTEMS XXXX previous attempt at collection. This matter should have concluded on XX/XX/year>. Clearly, NATIONAL ENTERPRISE SYSTEMS is in violation and I am again bringing this matter to the attention of the CFPB, demanding penalties be brought against this company for their fraudulent business practices. 
RECEIPT OF SAID NOTICE CONSTITUTES ACCEPTANCE OF ALL TERMS STATED HEREIN
Consumer complaint received 2024-01-08
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. (MI)

Hello, I have been trying to resolve with XXXX XXXX XXXX ( loan has been transferred to XXXXXXXX XXXX XXXXXXXX as of XX/XX/XXXX ) disputed payments since the end of XXXX without success. 

I have written ( certified and email ) as well as called and talked to several representatives who were unable to provide information about records of payments made. I was unable to speak with the bankruptcy department since my bankruptcy has been discharged ( XX/XX/XXXX ). 

I have verification from my bank that all payments from XX/XX/XXXX - present day XXXX, have been satisfied, and I can provide proof upon request. Some files attached, can require more documentation if needed. 

My credit has taken a huge hit and I'm unable to refinance my home due this ongoing issue. Please help me resolve so I can move on. 

Thanks very much! 

XXXX XXXX
Consumer complaint received 2024-05-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (FL)

I AM SATISFIED WITH THE DEBT FORGIVENESS, HOWEVER I WANT BOTH OF THE ATTACHED ACCOUNTS REMOVED IMMEDIATELY FROM CLARITY REPORTS AND ALL RECORDS ASAP!!!! XXXX XXXX DEFINITES NEEDS TO PAY ME {$1500.00} FOR EMOTIONAL DISTRESS ALONG WITH {$150000.00} IN LOST WAGES BECAUSE I HAVE MISSED OUT ON EMPLOYMENT, A VEHICLE AND A HOME BECAUSE OF THIS SITUATION!!!! IF THIS IS NOT DONE BY XX/XX/2024 I WILL CONTINUE TO COMPLAIN AND SUE THIS COMPANY!!!!
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-08
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. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2023-07-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have yet to receive anything back. 

I do not have any accounts or credits with these companies and are all closed as well. 

Here are the accounts that are in violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute This is a violation of my rights.
Consumer complaint received 2024-01-08
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. (CA)

I do not recognize these credit inquiries. I have asked the credit bureaus to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion put a fraud alert on my credit report. I think I was able to remove it this past XXXX  XXXX  XX/XX/24. This has already caused be a problem opening up a saving account with another company. I tried to call them this morning XX/XX/24 to check if in fact it had been removed and was immediately transferred to someone in XXXX. The agent immediately wanted my SSN. I immediately asked her to transfer me to an agent in the XXXX because I am not going to give my SSN to someone who in not even a XXXX XXXX. 
I am sure I did not put the fraud alert on my credit report and I want details about who did and why.
Consumer complaint received 2024-01-08
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)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (KY)

I opened a USAA XXXX card in XXXX. This card offered a promotion with 0 % interest on balance transfers until XX/XX/XXXX. I transferred a balance from a card with a high interest rate and paid the balance on the USAA XXXX a little at a time. When the promotional period ended, I still had a balance. I was charged interest on this balance on XX/XX/XXXX and XX/XX/XXXX. No problem. I was aware this would happen if I didn't get the balance paid by the time the promotional period ended. 

On XX/XX/XXXX I paid off the entire balance. This was the balance that was listed as the " Pay in Full '' online PER USAA. However, on XX/XX/XXXX I was charged interest. This makes no sense. As of XX/XX/XXXX the entire balance was paidthe balance that USAA listed as being the full balance owed. 

I attempted to contact USAA to try to resolve the issue and have the interest charge reversed. What I was told was that the interest charge was " a fee that USAA charges for cash advances. '' I was also told how important it is to " pay my payments on time. '' I did pay it on time. What does that even have to do with it? It wasn't a late fee. It was an interest charge. AgainI paid off the entire card based on the balance USAA was showing. If they failed to include this interest charge on the what THEY were showing as the total amount owed, that's on them, not me. How is it possible, or even legal, to charge someone interest after the card has already been paid off?