davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

After checking my reports for the updates requested, I noticed multiple accounts from XXXX XXXX STILL reporting as " charged off. '' According to the XXXX, canceled debt ( chargeoff ) is gross/ordinary income. XXXX DOES NOT get reported on a consumers report. 15 USC 1681e ( b ) also states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OR)

Unauthorized credit inquiries, made by specific companies, were detected on my recent credit report, a clear violation of the Fair Credit Reporting Act Section 1681b ( c ). I demand validation from these companies, requesting copies of any documentation with my signature authorizing such inquiries, and in the absence of such evidence, prompt removal of these fraudulent inquiries within 30 days, as stipulated by the Fair Credit Reporting Act section 611.
Consumer complaint received 2023-03-25
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. (MI)

The credit reporting agency stated that they validated with the Court System a bankruptcy on my report. Attached is an affidavit letter from the court system stating that they do not report to this agency at all, and the information provided is inaccurate. The validation is indeed false.

Name and Adress is incorrect.

I have never given authorization to release anything affiliated with my identity to any agency The court has not given any information or authorization. 
Please remove my social security number out your system completely
Consumer complaint received 2023-12-13
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)

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 2023-04-27
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: CITIBANK, N.A. (NY)

I was never late on the paid off account listed above. Please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete this alleged late payment from my credit report. The FCRA allows 30 days for this to be rectified.
Consumer complaint received 2020-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc. (OH)

I can not do any mobile transfer it will not let me link my account to anything so i cam add money to my account from cash app or XXXX XXXX or XXXX XXXX my check go on another card because i work two jobs and i want to save money in my XXXX account because i feel safe with my XXXX account but it won't let me link my account
Consumer complaint received 2023-09-27
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. (FL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NC)

XX/XX/XXXX {$400.00} Sent a family member {$400.00} it was too much so they refunded {$400.00}, then I sent {$54.00} both came out of my account. I never got the refund for {$400.00}. Been fighting with them for 2 months called, email 10 times file XXXX  complaint automated responded allow 2-3 days, then close the complaint and ask for a survey
Consumer complaint received 2023-12-13
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-12-13
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)

This is my XXXX 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 an alleged fraud or extortion.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (AL)

Cash app account closed my account due to violation of their terms of service I asked for explanation as I do not feel I have done any wrong and this was done in error but I keep getting the same run-a-round all Im asking for is an explanation.What transaction/term of service/
Consumer complaint received 2023-12-13
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS
Consumer complaint received 2023-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-03
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CarMax, Inc. (ME)

Declared XXXX bankruptcy on XXXX. DIscharge on XXXX. Account is reporting incorrectly to with each credit reporting agency. One is reporting as open petition for bankruptcy, another discharged bankruptcy, and another removed the trade line. This is incorrect credit reporting, which is being supplied by the data furnisher ( creditor ).
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: LoanCare, LLC (NY)

My information was sold and bought illegally because I was a victim of LoanCare , LLC data breach. I never gave permission for my data to be shared, I have struggling for years due to another data breach from XXXX in XXXX  that is still affecting me today and now I receive this letter.
Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (HI)

While at work on XX/XX/ a person approached my apartment unit while I was not there. An air conditioner installer heard a knock on the door and assumed it was me answered the door. The person who knocked on the door asked if the air conditioner installer if he was me and the person installing the air conditioner said no! Why? I was later told that the person at the door said because you owe this debt and proceeded to show the air conditioner installer documents with my personal information and a dollar amount! The air conditioner installer said that he was not me and left. 

When I got home from work I found these documents laying out as is! 

I am currently responding to this summons and filing this complaint at the same time. Its embarrassing and humiliating what unprofessionalism can do. I am not sure how many people on my floor saw my personal information. 

I asked security if anyone checked in to gain access to our secure building and was told no one signed in for my apartment or me on that day and access to the elevator is done with a key fob. ;
Consumer complaint received 2023-12-13
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-13
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. (NM)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2021-05-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX  XXXX Not my account Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1988
Consumer complaint received 2023-12-13
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)

According to 15 U.S. Code 1681 ( a ) -Congressional findings and statement of purpose and 15 U.S. Code 1681 ( b ) - Permissible purposes of consumer reports, XXXX XXXX XXXX had no written authorization from I, the consumer to provide my private information to any third party affiliates. Transunion, XXXX, and XXXX are all third party affiliates. Per XXXX XXXX Financial Terms and Conditions, listed under " Other terms and conditions '', it states in " Information Sharing '' that they may release information in their records regarding me and my credit account. Also under " Our liability to you '' it states that they will meet their duty to to care for my credit account ( s ) under reasonable banking procedures which they have failed to do. 

In their Privacy Notice it clearly states that their affiliates include financial companies such as XXXX XXXX , XXXX and XXXX XXXX XXXX, not XXXX, Transunion, or XXXX. It also states that companies not related by common ownership or control. They can be financial and nonfinancial companies. 

Under 15 U.S.C. 6805, you are required to ENFORCE the Privacy Act of 1974.

15 USC 1681-Fair Credit Reporting Act, I the consumer have been violated by XXXX XXXX XXXX . I have been emotionally damaged, humiliated, and have been suffering tremendously in pain.
Consumer complaint received 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc. (MD)

I purchased a auto loan with CPS Consumer Portfolio Services Inc. on XXXX/XXXX/14, I informed them that the vehicle odometer was tampered with, and the dealership refused to pay my old auto loan off which damaged my credit. After reviewing my complaint. CPS informed me that this loan was null and vold because the Auto dealership violated their agreement with CPS, regarding opeing up a new loan with me because I had XXXX auto loans currently open. I ask CPS to provide me with a letter explaining this information before I return the car, because I was n't confident my credit would be safe without any documentation of our conversation. I never received a letter. The phone payment system stop processing any payments, and two weeks they repo the vehicle and they are not responding to my inquiries. I 'm afraid they are going to ruing my credit score and not going to remove this from my credit
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I recently checked my credit report and noticed that an account is showing inaccuracy in reporting late payment from XXXX XXXX dated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in accordance with the fair credit reporting act this company has violated my rights and with accordance to 15 USC 1681 SECTION 602 states I have the right to privacy also 15 USC 1681 SECTION 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions SECTION 15 USC 1666B STATES a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (OH)

I have multiple unauthorized ATM transactions on my Wells Fargo account. I tried to contact them through relay but the call never went through. I had to file each transaction as a separate claim online. This type of fraudulent transaction can not actually be disputed online so I had to choose a different reason for the dispute and then explain in the notes that these transactions were actually fraudulent. Again, I did it this way because I could not get through to them on the phone. 

I finally did get through today and they said theyre denying some of my claims because the physical card was used. Also, because the chip was used that goes with card! Yeah, the chip usually accompanies the card geniuses. I explained in my dispute that my card was stolen. So anyway, they approved two claims, gave me temporary credit on another, and denied the rest. How can they approve 2 claims and deny seven others when they are all the same string of fraudulent transactions??? That tells me that they didnt do the proper research on these claims. They need to look at these again. Someone ripped me off and Wells Fargo is letting them do it!
Consumer complaint received 2024-07-13
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Village Capital & Investment LLC (CA)

Using my banks XXXX XXXX process. My bank sent the payments to the po box shown on the mortgage statement for where to send payments well in advance of the grace period, usually the XXXX. Bank also shows deliveries on or before the XXXX of the month. 

Village Capital & Investment LLC NMLS ID XXXX then forwards all the mail from that po box in XXXX and forwards to another payment processing location in Nevada. 

They do not cash my checks until after the XXXX and charged me multiple late fees. The checks are dated by the bank prior to the XXXX grace period, and I have proof. They usually cash the checks after the XXXX, and this is intentional to extract late fees from me. Otherwise, they would honor the date on the check and count the payments on time. 

This has been happening since XX/XX/year>. They have wrongfully charged me {$330.00} to date. 

All Village Capital did when I called them to resolve this was offer to waive one late fee and encourage me to use their website bill payment system for future payments. I have a right and a choice on how I make my mortgage payments and I prefer using my bank to mail checks to them. 

This is predatory and needs to stop.
Consumer complaint received 2024-01-09
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. (MD)

[ XXXX XXXX XXXX ] : This account has been incorrectly reported and should be removed due to identity theft. I have also filed a police report with XXXX XXXX police department in Maryland due to this incident. XXXX, Transunion and XXXX are reporting this information. I have contacted all three bureaus requesting this account to be removed. 

date issued : XX/XX/2018 balance {$6400.00}