davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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.

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 2023-10-31
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)

To Whom It May Concern, I am writing to dispute the accuracy of the information on my credit report maintained by your credit reporting agency, as permitted by 15 U.S.C. 1681b and 15 U.S.C. 1681c-2. Specifically, I am contesting the inclusion of XXXX accounts, which I believe have been reported without a permissible purpose as required by federal law. 

Original Creditor : XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX. 
Account XXXX : XXXX I would like to emphasize that my dispute is not with the creditors themselves but with your credit reporting agency. I never provided written consent for your agency to report on my consumer report. This omission of consent raises serious concerns, as it could potentially lead to identity theft, a matter I have already reported to the Federal Trade Commission ( FTC ). My reference number for the FTC report is XXXX. 

In light of the above, I kindly request that you take immediate action to investigate the inclusion of these accounts on my credit report. I trust that you will conduct a thorough review of your records and verify whether a permissible purpose exists for reporting these accounts. If you are unable to demonstrate that such a permissible purpose exists, I insist that you promptly remove these accounts from my credit report, as required by law. 

I would also like to remind you of the time frame stipulated by XXXX XXXX. XXXX, which mandates the timely removal of any information reported without a permissible purpose. I expect that these accounts will be removed within the statutory time frame, and I insist on the accuracy and fairness of my credit report in accordance with federal law. 

Please provide me with written confirmation of the actions taken to investigate and rectify this matter. A copy of my updated credit report reflecting the removal of these accounts would be greatly appreciated. 

I am prepared to take further legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) if this matter is not resolved promptly and in accordance with the law. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Inquiries 1. XXXX XXXX XX/XX/2023 2. XXXX XX/XX/2023 3. XXXX XXXX XXXX XX/XX/2023 4. XXXX XXXX XX/XX/2023
Consumer complaint received 2023-09-12
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 has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 XX/XX/year> XXXX XXXX XXXX XXXX XXXXBANK XX/XX/year> XXXX BANK XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX BANK XX/XX/year>
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion They keep changing my credit score messing it up acting as if I owe a balance to my current card which is incorrect I have not ever been late in the five or six months that I've had that card not one payment has ever been late therefore I've never had a balance they just had cleared it up my credit went back to XXXX and I went and applied for something for the first time in about a year and I got rejected and all of a sudden my credit score was back down to like XXXX that is nuts and now they put the same XXXX balance thing that I have that from my current card which is untrue and incorrect and I do not know somebody's doing this on purpose messing with my credit I haven't done anything with my credit
Consumer complaint received 2023-06-24
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. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$6000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MO)

XXXX XXXX XXXXXXXX is reporting incorrectly on my credit report as a loan that I dont have with them for a vehicle that I have sold during a collision. I have supporting documentation that this debt is reporting inaccurately due to the car/title not having a lienholder and was sold, because the vehicle was mine and PAID IN FULL.
Consumer complaint received 2018-12-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

On XX/XX/XXXX I received a letter from Toyota Financial Services dated XX/XX/2018 where in the Crux of the letter states that it has not received any unspecified required documentation and that they are unable to process my claim. 
On XX/XX/2018 I notified Toyota Financial Services of the total loss happening to a XXXX XXXX XXXX on several occasion I spoke with Representatives at Toyota Financial Services the dates are as follows XX/XX/XXXX XX/XX/XXXX XXXX the XXXX XXXX XXXX and multiple times throughout XXXX on XX/XX/2018 I was instructed regarding the claim number on XX/XX/2018 I spoke yet again with a Toyota Financial Services representative informing me  everything 's received in that was needed except for the premium warranty monies from the cancellation and that money is must be refunded in order for The Gap to pay out to Toyota Financial Services I want to XXXX XXXX XXXX request a cancellation of the warranties I am in receipt of those warranties that have been canceled and for those two Toyota Financial Services I've never received any communication from Toyota except for today stating that they may not be able to process the claim I've caught on numerous occasions and also filed a complaint with the Department of Insurance as well and the United States Attorney General and the California Attorney General along with the XXXX XXXX XXXX Toyota is a crooked operation
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

As of XX/XX/18 I am writing to get help about Carrington Mortgage company sending threatening letters of foreclosure when I have all of my receipts. My attorney has called and we spoke to them on conference. Yet they are still sending threatening letters of foreclosure. I am writing to you to contact them to resolve this issue as I am going to speak with a judge to assist. They have breached their contract and this must stop today.
Consumer complaint received 2023-12-21
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. (CA)

CONSUMER REPORTING AGENCIES HAVE BEEN PLACED ON NOTICE THEY ARE IN CLEAR VIOLATION OF THE LAW PURSUANT TO 15 USC 1681a IN REGARDS TO FURNISHING CONSUMER REPORTS FOR MY PERSON. THEY REFUSE TO REMOVE UNLAWFUL VIOLATIONS AND CONTINUE TO UPDATE INFRACTIONS WITH CURRENT DATES IN BLATANT WILLFUL NONCOMPLIANCE OF THE LAW,
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are all the hard inquiries that I currently did not authorize to run my credit or had a recognition of this is fraudulent activity happening on my account i wish to have removed as soon as possible.
Consumer complaint received 2024-04-21
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are all the hard inquiries that I currently did not authorize to run my credit or had a recognition of this is fraudulent activity happening on my account i wish to have removed as soon as possible.
Consumer complaint received 2018-12-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC (AL)

I spoke with debt collector-debt recovery solutions. I made a payment arrangement with this company and I agreed with this company to pay the amount of {$200.00} and that he promise me that when I pay this amount to this company. he said that he will close the account and update everything to the credit companies that never happened. then I spoke to this lady XXXX XXXX that is also employed with debt recovery solutions and I told her about the payment arrangement that I made with the guy that I spoke with. and she tried to tack on another {$35.00} and I told her that guy told me to pay that {$200.00} dollars and he would close the account has been paid in full and that he would up date everything with the credit companies showing that account has been paid .that never happened. on that cash cow account in which I paid the last payment of {$50.00} on the XXXX in which they did not send me a receipt that it was paid in full. and I am aware of the scare tactics they use to make the consumers afraid of them that they would take their car etc.. if they don't pay. and when it comes down to the elderly people and the older people they are afraid that if they don't do what these debt collectors say they would take what they have worked for all of their lives. because of the fear that they these debt collectors has put into their heart. it is not only me that they are doing this to. it is every one.
Consumer complaint received 2024-04-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX ACCOUNT # XXXX Was reported 30 days late on XX/XX/2023. 

I have never been late, and want this information to reflect correctly on all credit bureaus. 
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section XXXX ) XXXX it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Thank you.
Consumer complaint received 2024-04-21
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. (NY)

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume XXXX days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.. The information I am disputing is as follows : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-12-31
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: JPMORGAN CHASE & CO. (CA)

XXXX has supplied ( via Chase.com ) a proprietary XXXX XXXX ( SM ) report about my credit score and other information ( available credit, utilization, etc. ). I have attached a copy of this webpage report to this complaint. See Page 2 of the attached PDF. 

One of these variables is " Depth of Credit. '' This portion of my report should state a number. For example " 10 years. '' However, it says " NaN years '' which is not a number. In fact, it is likely an arithmetic error in computer programming. 

I have called Chase multiple times and they have forwarded my complaints to XXXX. I called XXXX  multiple times at XXXX or XXXX without resolution. I even reached a person named " XXXX '' in XXXX and was told I would receive a swift resolution but I did not.
Consumer complaint received 2023-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/XXXX I was trying to access my account online but it kept giving me error message, so I call bank of America to let them know what's going on after I with XXXX employees and verified by all of them I'm pretty irritated, I ask XXXX was the name, is it necessary to go through all of this, all I wanted to do was get into my account online. 
She continues to ask questions and says I can't verify you, I asked why, she answers for security reasons I'm not able to tell you. I said let me speak to her supervisor and when the supervisor gets on the phone she tells me that my account has been blocked because she was not able to verify me and in order to get it unlocked I have to go into the bank to get verified. I asked her if she couldn't block it since she verified me too she said no she wasn't able to do that I told her that's a lie she says I am not lying so she's straight lied to me. Why do they have the ability to block accounts and when they get mad it's revenge for them to do that, they're not doing it for security reasons because if they were doing it for security reasons and I would have gotten phone calls letting me know that somebody's trying to get into my account but that is not what happens not at Bank of America
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my deep disappointment and frustration with the outcome of my multiple attempt to follow up on the removal of fraudulent items from my credit file. Despite multiple efforts to address this issue, the response from your company continues to be unsatisfactory, leaving me concerned about the integrity of your procedures and the impact on my financial well-being. 

Despite providing extensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, my previous attempts to rectify this issue have been met with inadequate responses and delays. The lack of accountability and transparency in handling this matter has left me feeling frustrated and powerless. 
I have faced undue financial hardship and distress due to the impact of these items on my creditworthiness, hindering my ability to access credit and obtain favorable terms. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
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. (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. 

Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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.