davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-23
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. (AL)

I submitted my initial complaint on XX/XX/2023. This is my 2nd attempt to solve major problems to my credit report. I requested for the Equifax to send me the procedure in which they verified the negative accounts on my credit report. I received NOTHING showing this verification method. However, there were several erroneous UPDATES added to my credit report. I have attempted several times to get this problem resolved with Equifax concerning erroneous and inaccurate items on my consumer report to no avail. Equifax has continuously violated my rights as a consumer as to the Fair Credit Reporting Act that states that Accuracy and fairness is my right. The Fair Credit Reporting Agency also states that there is a NEED to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy and those things have not been done in my case. The following accounts continue to show up on my consumer report month after month XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX and XXXX Account # XXXX. XXXX XXXXXXXX XXXX Account # XXXX. These accounts are erroneous and inaccurate. I did not give permissible permission for these items to be reported by the consumer reporting agency to the consumer report. Please help me get these accounts DELETED permanently from my consumer report.
Consumer complaint received 2023-06-05
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. (SC)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  CT XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$260.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX is breaking the consumer law pertaining to : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX I've uploaded documents I need this corrected immediately. This is a violation of my consumer rights. I've lost XXXX of dollars and mentally stress out. 
If this isn't resolved. I will have no choice but to move forward with litigation. 
XXXX CARD HOLD
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Transunion refuses to delete an account that is not mine, I have sent a validation letter to the company and got no response. I have disputed the account on numerous occasions asking for a deletion. I recently had to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. XXXX  has also deleted a bankruptcy off of my report They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if transunion fails to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. Transunion countines to lie to me and tell me the bankruptcy court is providing and verifying this public record information to them but they don't. attached is a email from the bankruptcy court and email from pacer and documentation from XXXX   showing bankruptcy deletion. Please read carefully before lying again! I have also submitted a idtheft report FTC REPORT NUMBER XXXX
Consumer complaint received 2024-04-17
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. (MD)

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 2024-04-17
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)

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  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

As per the law when a charged off is reported its considered as certificate of indebtedness, which is consider income and should not be reported on one 's personal credit report.

1022.21 Affiliate marketing opt-out and exceptions. 

as per 15usc 6802-6805 obligations with respect to disclosure of personal information, XXXX XXXXXXXX XXXX is in violation of this very code. 
I also have a right to opt out and wasn't aware of any disclosure from this company. 

XXXX XXXXXXXX is also in violation of the Privacy act of 1974. 
this was sold to a 3rd party debt collector, violating its own agreement therefore this should be removed from my personal credit report. 

Also, 15USC 1681 ( f ) Prohibits and person from using or uptaining a consumer report unless, the consumer report is obtained for purpose for which the consumer report is authorized to be furnished. 
See attched credit report for inaccuracies on all XXXX reports.
Consumer complaint received 2024-04-17
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 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 : XXXXXXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX 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.
Consumer complaint received 2023-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On XX/XX/2023 I attempted to make a payment on all of my loans. Payment was " received '' for only 7 of my 9 loans despite there being enough money in the bank account used. Additionally, the payment was never processed on the bank side so it is unclear what Edfinancial is doing. They have not been helpful over the phone or via email. I repeated payments but they are still processing. In the mean time interest has accrued despite the fact that i attempted payment because their system " glitched. ''
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I reviewed my Consumer Reports and noticed I have addresses on my credit profile that I never lived at. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never lived at the following addresses XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX Please investigate and provide Proof with statements on how you verified the listed addresses as mines on my credit file. Thanks.
Consumer complaint received 2024-04-17
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. (NC)

I never requested a credit pull or anytbing for these banks/lenders or whoever they may be. I believe my information was used incorrectly or fraudulently. I tried calling each one and did not help me at all. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-12-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

It is illegal and a violation of my privacy in ordinance with the Privacy Act of 1974 and Consumer Credit Protection Act to report transactional history. This is also reporting as a charge off a charge off is considered a certificate of indebtedness which is INCOME and this needs to be updated.
Consumer complaint received 2023-12-16
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-11-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (MS)

I have sent validation letter after validation letter. The last two requests I sent out on XX/XX/2018 and I sent them to the addresses listed on my credit reports XXXX  XXXX/ XXXX- address : XXXX. XXXX XXXX XXXX, OH XXXX. I track the letter by using certified mail in which they received the document on Monday XX/XX/2018. They have failed to send me any information on validating the debt yet I received documents from XXXX XXXX in regards to the debt. When I checked on XXXX to see if the debt had been listed as being disputed it had not. However listed under XXXX  XXXX/ XXXX  and also under XXXX  XXXX/ XXXX they both state " Transferred to another lender or claim purchased ''. The debt has not been validated by either company and if the account has been transferred to another lender or claim purchased why are they still showing on my credit report as negative items. The debt has not been validated but yet they will not remove these negative items from my credit report. This is not right. If it is purchased by another lender why are they not on my credit report as me owing them a debt. I would like this investigated. I have all do documentation and will be uploading it. The amount they state I owe is XXXX which XXXX XXXX XXXX state I owe them. They have not given sufficient documentation either to prove I have accumulated this debt. I have no such knowledge of owing either of these companies which includes " XXXX XXXX XXXX, XXXX XXXX/ XXXX  or XXXX XXXX/ XXXX  .
Consumer complaint received 2024-04-17
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has placed an account on my credit report, listing it as a charge-off and also stating that I owe a balance of over {$7300.00}. I do not recognize an account where I owe over {$7300.00}. I do recognize that I have an account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the original loan amount that I had with them was {$2500.00} which I paid several payments on. This creditor has never provided a debt validation notice as required by law. This creditor has never provided me with a copy of my original wet signature authorizing them to place items on my credit report. Reporting an item on a credit report as charged off indicates that the account has been charged off and it's a 1099-C is required by law to be issued to the consumer. When I contacted the creditor, I was told that the account was placed for collection with their collection department/agency. Again they have never provided proper debt validation via certified mail as required by law. This is a clear violation of the Fair Debt Collection Practices Act. Reporting an account on a credit Bureau report as a charge-off when it is a collection is fraud. Reporting an unvalidated debt to all three credit bureaus is also a violation of the Fair Credit Reporting Act. Reporting a charge off with a current balance due as well as a past balance due is also a violation of the Fair Credit Reporting Act. Denial of the consumer 's 1099C for a charge-off account is also a violation of the federal tax code
Consumer complaint received 2023-08-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

I have been facing ongoing issues with Toyota Financial Services regarding discrepancies in my credit report and their failure to provide essential documents relating to my account. Below are the specifics : Credit Report Discrepancies : I identified several inconsistencies on my credit reports from XXXX, XXXX, and XXXX. The discrepancies include : Lack of data for XXXX XXXX. 
Incorrect payment reporting sequence for XXXX XXXX XXXX 
Data gap for XXXX XXXX. 
Double repossession reporting for XXXX XXXX. 

Failure to Provide Requested Documentation : Toyota Financial Services has not provided me with the necessary documents related to my account and repossession, despite multiple requests. I have specifically asked for : Sale amount post-repossession. 
Information concerning insurance claims related to the repossession. 
Debt verification as per the Fair Debt Collection Practices Act and the Pennsylvania Fair Credit Extension Uniformity Act. 

In my pursuit for clarity and resolution, I have sent two formal letters to Toyota Financial Services detailing my concerns and requesting specific information. I will attach the Return Receipt PDFs for both letters in this complaint for your reference. In response, I've received letters from Toyota Financial Services that I perceive as " stall tactics. '' Their correspondence claims that I did not provide sufficient information for them to conduct an investigation, which is patently false as I meticulously detailed my concerns in both letters. 

Additionally, I've also attempted to resolve these issues over the phone but found them to be unhelpful, with no progress made. 

I believe Toyota Financial Services is deliberately stalling and avoiding their obligation to conduct a legitimate investigation into the matters I have raised. They are refusing to provide me with the essential documents that I am legally entitled to in order to verify the amount and the validity of the debt they allege against me. Their lack of transparency and responsiveness feels evasive, hindering my ability to address the inaccuracies and understand the alleged debt 's breakdown.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (NC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX