davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I am writing this letter to address the delinquent accounts listed on my credit report. 

For TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX For XXXX : XXXX XXXX
Consumer complaint received 2024-04-30
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. (SC)

On XX/XX/XXXX, XXXX promised to remove the tradeline from my credit report ( XXXX XXXX ). There was no confusion XXXX plainly stated to XXXX that the tradeline belong to XXXX XXXX. This was not a typographical error. In addition, In addition, XXXX and US Dept of Edu. reported to the XXXX back XX/XX/XXXX that the account was opened XX/XX/XXXX. I was not born until XXXX XXXX. Also XXXX, reports allegedly that the account was opened XX/XX/XXXX. Yet the Promissory Note in mention has a date of XX/XX/XXXX and XX/XX/XXXX. Please note this account created by XXXX, US Dept of Edu keep changing the narrative to try place these tradelines on my credit that does not belong. XXXX stated that loans were PURCHASED from US Dept. Edu and XXXX. There are 3 different lines of false credit reporting remains on my credit. XXXX promised to remove their accounts but the are still there causing damage to my credit profile. The XXXX account was closed and was removed from my credit. The US. Dept of Education was also closed and at one point removed. XXXX and US. Dept. of Education has deliberately duplicated the accounts on my credit to over-extend / usage of Credit. The reporting is false. According 15 USC 1681 and 1681 ( i ) All reporting must be reported correctly and false reporting my be removed promptly. Please encourage these reporting agency to make the necessary corrections.
Consumer complaint received 2024-06-19
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. (KY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2023-07-10
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. (GA)

As of XX/XX/2023, there has been a hard inquiry pulled in my name for XXXX  XXXX XXXX XXXX that has no authorization by me
Consumer complaint received 2024-06-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
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: EQUIFAX, INC. (TX)

XXXX XXXX XXXX I have not supplied proof under the doctrine of XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XX/XX/2024 I Sent a Request for All Inaccurate information to be update and have yet to receive a response or course of action from all three Credit Bureaus. I also sent another request for a response and have yet to receive and information regarding my dispute. My next course of action it reaching out to the CFPB to help me resolve the issue with Transunion, XXXX and XXXX.
Consumer complaint received 2023-10-27
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. (IN)

In Accordance with the fair credit reporting act XXXX  account # 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.
Consumer complaint received 2024-04-30
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 want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-04-30
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)

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 


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 2024-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2024-06-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have identified these items on my report that are a result of XXXX XXXX. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to per USC 16814I DID NOT AUTHORIZE THE REPORTING OFFICES, ACCOUNTS UNDER 115 USC 1681 C-2 PLEASE BLOCK & REMOVE THE FILES. ALL LISTED FILES LISTED BELOW ARE FOR ALL THREE MAJOR BUREAUS ... ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Nissan has published and dropped my credit XXXX points by saying I missed my payment by 30 days in XXXX which is not accurate I paid XX/XX/21 7 days before 30 days late and it was inaccurately posted to principal only ( why would I do that and not pay ) I called and had it resolved and was told it wouldnt be counted late.
Consumer complaint received 2024-04-30
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-05-04
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. (TX)

Equifax continues to report a collections agency XXXX XXXX  on my consumer credit report when I have never done any business with this third part collection agency and this collection agency was never obtained authorization or consent to furnish or obtain my private source data. I sent certified request to Equifax as well as XXXX XXXX with no response. Ive filed several disputes acknowledging the federal violations and there still has been no response. Ive now filed a claim with the ftc for fraud. I never gave consent to either party to have or use my private source data
Consumer complaint received 2024-02-03
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 (FL)

I have paid Toyota XXXX XXXX interest rate for the past XXXX payments. Now they're asking for $ XXXX XXXX in interest aloneToyota financial said I had moved XXXX payments to the end of my contract which would extend my contract and additional XXXX months. When I spoke to a representative about the late payments they said that this was a courtesy through my contract to have XXXX payments a year move to the end of my contract. Toyota told me that interest would continue to occur. They did not tell me how much interest would occur or an amount so I had no idea that at the end of my contract there would be a balloon payment for {$4200.00}. I received phone calls from Toyota on a regular basis XXXX days in a row XXXX phone calls on Friday XX/XX/XXXX of 2024 where I was asked to settle the {$4200.00} and also received a call on Saturday XX/XX/XXXX and another call on XX/XX/XXXX concerning the same issue. I had no idea through the emails that were sent from Toyota the amount that would occur through the interest rate that they were charging me neither did I know what rate I was being charged or if there was a way to pay those payments in advance without them lingering to the end of the contract with where they would accumulate thousands of dollars in interest. Toyota gave me no way out as far as paying the past due payments that the interest would occur no matter what till the end of the contract and I would be charged for balloon payment that was outrageous and predatorial towards my needs at that time.
Consumer complaint received 2023-04-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (OK)

On XX/XX/2023 I was notified that the retreat at XXXX XXXX XXXX in XXXX  XXXX had sold an illegitimate debt to Columbia debt recovery ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) also known as Genesis debt recovery. The way I found out was I got a notification from credit wise that said that I had a debt sent to collections. Columbia debt recovery never reached out to me and attempt to collect the debt. Had they contacted me I would have told them that I wanted to dispute the debt of approximately {$250.00}. 

Columbias number is ( XXXX ) XXXX
Consumer complaint received 2024-04-30
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. (FL)

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my 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
Consumer complaint received 2023-07-10
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'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 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 2024-04-30
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. (TX)

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX Acct # XXXX ). In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2018-02-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (PA)

GM financial has failed to update my positive payment history since XX/XX/2017. I contacted GM three times about the issue. I was told they would update my credit reports. After no update, I was told I have to dispute the issue with my credit beuraus and it will take 30-45 days to see the matter resolved. This is their job to report. I made the payments on time for the last three months.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I consistently make timely payments. I'm certain of this. What I'm unsure about is why this company is reporting me as late for certain months, which shouldn't happen. According to USC 1666b, any billing error should be corrected, otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On XX/XX/year>, I sent a letter to Transunion regarding a request to investigate things I believe to be inaccurate and/or incomplete in my report. Transunion responded back with a stall letter on XX/XX/year> stating it was not me but from a third party ; but in fact I mailed this from my own house. I am not sure why do they think I am a third party as I am trying to fix my own credit while trying to get these inaccuracies removed as I am trying to buy a car.
Consumer complaint received 2024-04-30
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. (AZ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-08-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC (NJ)

A company called waypoint resource group is attempting to collect a balance from XXXX XXXX  that I paid over a year ago. They are also including junk fees in the amount of {$67.00}. 

I am having my credit threatened.
Consumer complaint received 2023-07-12
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. (DE)

Transunion has 2 balances reporting on my credit report from XXXX XXXX XXXX that I am not aware of. A balance of {$25000.00} ( XXXX ) and {$3500.00} ( XXXX ) has been reported open as ofXX/XX/XXXX. This is incorrect/inaccurate reporting. I DO NOT OWN THESE DEBTS, NOR THESE ACCOUNTS, WHICH ARE REPORTING OPEN. Please DELETE them from my credit report pursuant to 15 USC 1681 and 15 USC 1692. I have included all necessary documents including an FTC XXXX XXXX ( Ref # XXXX ). Thank You.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information i am reporting to you my correct personal information. 
This is my correct personal information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # XXXX The following are incorrect and need to be deleted : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX XXXX  XXXX XXXX XXXX Employers : XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The telephone numbers listed are old and no longer belong to me. I have no home phone, please delete these.
Consumer complaint received 2024-04-30
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. (OH)

I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. My name is XXXX, and upon reviewing my credit report from XXXX, TransUnion, I have identified several credit inquiries that I did not authorize, which have negatively impacted my credit score. I am concerned about the potential for identity theft or fraud. 

Here are the details of the unauthorized inquiries : XXXX XXXX XXXX XX/XX/24 XXXX XXXX  Dated XX/XX/24 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not initiate these inquiries and I have no relationship with the entities listed that would justify these hard pulls on my credit. 

I have already contacted TransUnion to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report as soon as possible. 

I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile.