davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting five inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include four 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion, written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-05-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Porsche Financial Services, Inc. (FL)

Porsche Financial Services engaged in the following actions : 1. Offers on-line payment option via their website 2. Website offers no ability to check payment history to determine outstanding balances, total loan balance or even access full account number 3. Amount shown on website is inaccurate and does not necessarily reflect amount shown on paper statements mailed to you 4. There is no way to download a copy of paper statement online 5. Calls to XXXX have resulted in agents saying that both the amount on the website AND the amount on the paper statement is correct but that the amount shown on the website only reflects invoice that " hasn't been paid '' not an upcoming invoice that is due in 2 days 6. I have plaid the amount shown on the website with every payment 7. Porsche Financial Services aggressive tacks on late fees and has reported to credit bureaus.

8. Despite paying what the website reflected as payment due every time, I continue to be told I am late with payments have been reported to credit bureaus as more than 30-days late
Consumer complaint received 2023-05-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (TX)

At the end of the XXXX  XXXX  I applied for a private student loan. I ended up not needing the loan so XXXX XXXX XXXX cancelled the loan and I never received it. It is not on my student account and it is shown as cancelled. However, they said they sent the money. I never received a private student loan from discover.
Consumer complaint received 2017-05-05
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: American Student Assistance (OH)

XXXX  aka American Student Assistance. They have a wage garnishment &amp; have intercepted my tax returns. Yet they call repeatedly ALL day long, never leaving a message. Since the garnishment took effect :  XXXXXX -  XXXX  EST   XXXX   XXXX   - 16  calls   XXXX   XXXX  -  46  calls   XXXX   XXXX   XXXX   -  9 calls
Consumer complaint received 2023-02-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (AL)

I received my consumer report and see that this company is reporting a account that was open by someone who stole my identity. I tried to work with the company but they are being relentless saying that I owe the debt even trying to sue
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

It is XXXX duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting two inaccurate late payments for the XXXX account, which does not have an account numbers to reference to. These include one 30 day late payments posted in XX/XX/2018 and one 60 day late payment dated XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Kikoff Inc. (NJ)

Kikoff Lending changed the terms of my contract from {$2.00} a month to {$5.00} a month without warning. They have been charging me for two years now. They claim to improve your credit score but mine has not. I asked them to stop charging me and cancel any contract and they have refused. I am unemployed and there is no end in sight to their charges.
Consumer complaint received 2023-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Io, Inc. (PA)

This company is purposely using stall tactics so that they do not have to remove this information from my credit profile. I have already been harmed for quite a while from them as a consumer and as a citizen. They never sent me any information and continue to blatantly act as though they can not find my account. If you can not find my account, REMOVE this information and stop reporting to the credit bureaus effective immediately. I have repeatedly asked this company Receivables Management to provide the contract that I have signed with this company. I do not owe this debt that they have placed on my credit profile. The debt looks like it had an original balance of XXXX dollars to date the debt is well over XXXX dollars and increasing every week! Receivables Management is hitting my credit profile each week with negative information and increasing the debt XXXX dollars every week. This is illegal and is a direct violation of my rights as a consumer. This company is violating several FDCPA laws and refusing to uphold and operate ethically. Furthermore, I am not responsible for this debt. I am demanding that Receivables Management delete this account from my credit profile immediately as I do not owe this debt.
Consumer complaint received 2023-05-30
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)

Dispute Department : Fraudulent XXXX/DEPT OF ED ACCOUNTS ( Reference 15 usc 1681i ) XXXX : XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX DATE OPENED : XX/XX/XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Please delete the items as soon as possible
Consumer complaint received 2023-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX is the company that sends me statements and takes my mortgage payments every months. over 12 months have went by and they are not reporting to any of the credit companies. 


I have called them multiple times and its not still reporting. 
They took over my mortgage loan in XXXXXX/XX/2022
Consumer complaint received 2024-03-26
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: EQUIFAX, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-23
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (IL)

Opened secured credit builder account with Self credit card in XXXX requiring a security deposit. Company sent notice of account closure on XX/XX/XXXX. Was informed any balances owed would be deducted from security deposit and the balance of that would be mailed to me via a check. Received the check in mid XXXX of XXXX of {$640.00}. However, account was never closed. Self is stating i owe {$160.00} which is the result of interest and late fees that has accumulated over the past 18 months due to Self refusing to close the account. they are telling me they will not close the account until I pay the interest and late fees. They have been reporting me to the credit bureau as late and missing payments on an account that should have been closed with a {$0.00} balance. I have requested they close the account to which they are stating they will close it once I make the payment. I have requested they remove the additional fees which they refuse. This is fraud. Im being charged bogus fees and if I do no pay them, they will continue to report me negatively to the credit bureau
Consumer complaint received 2023-02-10
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. (NC)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Throughout, I've made certain payments on this account are promptly settled, avoiding any overdue status. I'm uncertain why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-05-30
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. (GA)

To whom it may concern : I am disputing the negative items in my credit profile. I dispute these claims and demand that any information be removed from reports immediately if it is inaccurate or misleading, as this will only harm me further! Upon review of my report, I noticed that several deviations from mandatory standards were present which will most likely affect the validity and accuracy of data in this document. These claims that the information in my report is negative, untrue or incorrect are unsubstantiated. To date I have not received any physical proof to back up these statements and eagerly await a reply from you. Document that you have complied with the reporting requirements, and report without any deviations. Please note that if you have not complied with the requirements, I will need to remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes. The XXXX standards state that in order to make a report, you must follow their guidelines. " Any deviation from these standards jeopardizes the integrity of data. '' This means any mistakes when reporting claims can have serious consequences for accuracy- which affects your federally regulated reports! With that said! I found some mistakes and inaccuracies in your report, which I would like to dispute/challenge. The following claims about me were not reported correctly and I am challenging these inaccurate statements. Please provide proof that the proper reporting standards were followed so this can be resolved immediately!
Consumer complaint received 2023-02-17
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXXXXXX XXXX ACCOUNT # XXXX, and XXXX XXXXXXXX XXXX ACCOUNT # XXXX have 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 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-08-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Michael Wayne Investment (VA)

I bought a car two years from Auto Connection in XXXX, Va two months after purchase the engine seized up in the car.. this was XX/XX/XXXX.. I was told I had a warranty on the car come to find out this was not the case XXXX later I get my car back. All through XX/XX/XXXX I had numerous problems with the car, In XX/XX/XXXX I contacted them again about the engine ... because they put a used engine in the car, I told them the engine was getting ready to go again, I was told to drive it over 70 miles from my house to the dealership I told them it would seize up.. in doin so the engine locked up. For 5 mths I have paid on a car that has not ran, once again I contacted them, once at my expense I got it to the dealership I was told it needed various things, then I was told to go to the dealership and look for another car they would take mine on trade, when I arrive at the dealership my car has MORE damage then when it left, keep in MIND MY Finance COMPANY MICHAEL WAYNE advised me to go.. : short and long I offered a settlement amount on car and was denied because there is XXXX damages done to my car I owe XXXX loan is current and my option is to pay on a NON running car or I have to get another LOAN from them to make the current one go away ... I feel as if I 'm being held hostage OH, I failed to mention they offered for me to FINANCE the damages done to my car when originally I was told if the car was paid to a certain amount the loan could be wiped clean ... Let, me add XXXX is the one who told me to DRIVE the car after I said it was NOT drivable and he said it was goin to need an engine, he is also the ONE who said if the loan got down to XXXX the rest could be wiped cleaned, I hold XXXX responsible for this mess he has played XXXX thru this whole mess, several people have tried to clean up his mess and I 'm grateful for them ... but Michael Wayne is NOT looking at their liability in this mess in my opinion
Consumer complaint received 2023-05-30
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. (TX)

Hard inquiries On my credit file that I did not authorize. I do not have accounts with these companies nor did I request to have a hard inquiry pulled by these companies. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX This complaint is for TransUnion Accounts in dispute XXXX ( what appears on my credit report ) XXXX ( I dont have the complete number account ; this is from a letter I received from XXXX XXXX XXXX Im writing regarding the account with XXXX XXXX XXXX On XXXX I purchased a property located at XXXX XXXX XXXX XXXX XXXX  However, I did not live in the property, as I rented the property. My address since XX/XX/XXXX, is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX My identity was used to opened accounts fraudulently without my authorization using the address at XXXX XXXX XXXX XXXX XXXX. Ive been a victim of identity theft, my identity was used to open accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. I dont know the exact year in which the accounts where opened. 

When I contacted XXXX XXXX, they transfer me to the department of collection. They say they can not remove the account from my record because I made payments using a XXXX  XXXX XXXX account. However, the fraud department of XXXX XXXXXXXX XXXX carried out an investigation and has resolved to close the accounts under name as they were opened fraudulently. In the same way the fraud department of XXXX XXXX did an investigation and deleted the accounts as well. 
Ive tried several times to contact XXXX XXXX, I sent them a copy of the identity theft police report, my apartment contract, and my utility bill. Yet XXXX XXXX refuse to delete the accounts from my credit report. 

Im requesting the XXXX XXXX accounts to be removed from my credit. Im attaching the police report, my apartment contract, my ID and SSN.
Consumer complaint received 2023-05-30
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. (IL)

XXXX XXXX XXXX add comments to my credit profile regarding loan modification service which I participated in under the Cares Act. In addition, XXXX has consistently reported inaccurate and inconsistent payment statuses across the 3 different credit bureausXXXX XXXX  is in violation of FCRA. 

1. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

2. 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.

3. 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.

4. 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 2023-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

In accordance with the Fair Credit reporting act. XXXX account # 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 instruction. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NV)

My issue is with Chime and XXXX because when i noticed that my funds were missing for the total amount of XXXX we filed the dispute on my behalf on XX/XX/XXXX for the multiple transactions that were unauthorized on my chime checking account, they told me over the phone that it would take 10 business days to 90 days to complete the investigation ; they also assured me that they would provide the temporary credit if they could not resolve the issue on XX/XX/XXXX i had a notfication and email that my claim was denied and they didnt provide any evidence as to why they came to that conclusion within a day and they didnt provide me a proper reason as to why my claims were denied ; they also closed the case with in a day, they arent adhereing to regulation E ; I will be attaching the email that i recieved from chime and that they denied my dispute within a day without giving me a reason, i never told them an error occured i told them that my account has unauthorized transactions on my checking acount.