davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with fair credit reporting act. The list of accounts below has value my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account names : XXXX XXXX XXXX XXXX account number : XXXX .XXXX  mortgage account number XXXXXXXX XXXX XXXX Account XXXX bank. Account number XXXX. XXXX  card XXXX. XXXX Account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX account number XXXX XXXX Has violating my rights. 15 U.S.C 1681! Section 602 A states I have the right to privacy .15 U.S.C 1681605 A section 2 : it also states a consumer report, and she can not furnish 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, 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 report agency if the person knows or has reasonable call to believe that the information is inaccurate
Consumer complaint received 2023-02-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed on my credit report multiple phone collections all opened around the same time. I have never had a phone bill in my name I have been on my parents phone plan for the last XXXX XXXX  and before that I was on my grandmothers plan. I would like these removed from my credit report. I am trying to work on my credit to be able to buy a house.
Consumer complaint received 2023-02-27
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc. (TX)

At XXXX on Thursday XX/XX/XXXX I received a call from ( XXXX ) XXXX ( what would be a local phone number in this area of Texas XXXX. The caller was a female who identified herself as XXXX. She stated that we were on a recorded line, and that she was calling " about a personal matter ''. I asked that she send the information in writing. She asked " Is your address in XXXX XXXX? ". I responded that yes, my address was in XXXX XXXX, Tx. I assumed this was to verify where the written demand would go. Instead, she responded that verifying my city was confirming that the debt was mine. She went on to state that she was from Unifin and collecting a medical debt in the neighborhood of {$19000.00}. I told her that I don't recognize any such debt. She then responded that it was a debt from XXXX XXXX. I again told her that I don't recognize the name XXXX XXXX. That was the point when she said the date of service was in XXXX, and the last payment made was in XXXX. My focus then shifted, and I asked her " Wouldn't that mean it is beyond the statute of limitations? ". She responded that there was no statute of limitations on collecting a medical debt. I then, with the assumption that she was " tiptoeing around her words '' said " You claimed we are on a recorded line, so let me ask you a couple of different ways. Could you report this debt to a credit reporting agency? '' She responded " We are a credit collector ''. Again I assumed she was trying to use slightly different words to deceive me so I asked " Could you sue over this debt? ". At that point she responded " I don't have the capacity to discuss that. Since you are refusing to make payment on the debt, I will note that fact and report it to the creditor. '' The call then ended. 
It is my belief that the caller, on behalf of Unifin, attempted to mislead me into believing that the debt was within the statute of limitations, or more specifically that no statute of limitations exists. She further attempted to deceive me by responding to a question about credit reporting agencies by stating " We are a credit collector. '' Additionally, the company has called me what I consider to be an unreasonable amount of times. It is easy to recognize a call once you answer. They have an almost signature way of initiating calls by stating " I am trying to reach ( fill in the name ) about a personal matter. '' They then ask a series of personal questions to verify to whom they are speaking. It is my belief that they have called me in excess of a dozen times, but use different phone numbers in order to not be identified. If this debt is actually from XXXX, and the last recorded payment was in XXXX, even if I believed it was mine, it would be well beyond the XXXX statute of limitations in Texas. That means even XXXX phone call would be an unreasonable number of times. It is no longer a valid debt whether it once was or not.
Consumer complaint received 2023-07-24
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DEPTEDXXXX Account Number : XXXX Delete this account. 

6. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
DEPTEDXXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NY)

XX/XX/2022 I bought a printer from XXXX The printer was damaged and I returned it back. Discover card didn't return me money and reposted transaction on XX/XX/2022
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo was giving me my social security check early under a two-day you know payday early thing which then they were trying to say my money was there but it wasn't and I didn't have money to cover transactions which through all my transactions off I lost my XXXX XXXX XXXX  phone service because of that you know and then somebody cloned my card and went through {$340.00} at the ATM and also spent {$1300.00} and I filed a claim with with Wells Fargo and 2 minutes after it was filed they denied it and then I filed a complaint with the corporate and they opened it and now they're dragging their feet on giving it back under regulation e and they just denied my the fraudulent ATM charge to give me that money back they initially denied the XXXX claim and then there's you know they returned my XXXX XXXX XXXX payments and I didn't have the money when I did cuz I transferred that out of savings into checking that's why I lost XXXX XXXX XXXX  charge and I just paid my gym membership cuz I'm homeless so I can take a shower on my debit card and they just sent me a note of saying that they returned it even though I use that money for my social security to pay for that this is an ongoing pattern of behavior and I'm entitled to my money back I filed numerous complaints internally with Wells Fargo it either stonewalled played games or outright refuse to give you my money back
Consumer complaint received 2017-11-21
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (AZ)

Hello, in XX/XX/XXXX, my XX/XX/XXXX XXXX XXXX financed by XXXX XXXX XXXX was repossessed without earning or prior notice to tell me I had outstanding fees. I paid to have the loan reinstated which I was told included repo fees as well as paid the repo lot for my car. XXXX XXXX XXXX knew I was currently refinancing my car with another company. In XX/XX/XXXX, my refinance company got a hold of them and got the full amount owed and sent a check. XXXX lost this check for 2 weeks while I called incessantly with the tracking number and being told they didnt recieve it. Finally they found it and it was applied to my account. When it was applied, I recieved a paid in full notice. I called twice to make sure i would owe nothing else and was told nothing was owed and i was free from XXXX. This month, XX/XX/XXXX and 9 months after refinancing, XXXX is sending me a bill for XXXX claiming they sent many letters and threatening to come after payment any way possible. This is NOT a tax bill and i was told I paid all fees due after asking MANY times. I called and they insist i pay them and say they didnt see i owed it til XX/XX/XXXX. Yet in XX/XX/XXXX ( 2 months later ) they reported my account as closed to the creditors. Please see attachments. This amount was paid in full and after all these people put me through i refuse to pay or take thier threats.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

After reviewing my credit report from XXXX, XXXX and TransUnion I noticed several inaccuracies pertaining to my personal information. All 3 are reporting inacurate addresses, phone numbers and spellings of my name. Congress states that credit reporting agencies have a responsibility to be fair and must respect the consumers right to privacy. I feel that my right to privacy is in jeopardy because of the inaccurate information that is being reported. Mail is not deliverable to me at these addresses and will leave me susceptible to possible identity theft for which you all will be liable.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I am trying to purchase a home and I notice fraudulent activity on my credit report. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX XXXX  Open date XX/XX/XXXX XXXX XXXX open XXXX XXXX XXXX XXXX open date XX/XX/XXXX Addresses XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-16
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: Sequium Asset Solutions, LLC (OH)

I am in the process of purchasing a new home and my credit report showed a collection from a company I never had services with. I disputed the charges with the credit bureau ( report # XXXX ), the collection agency and the company involved ( incident # XXXX ) in the fraudulent charges. The name of the collection agency is SEQUIUM ASSET SOLUTIONS. The name of the company is XXXX XXXX. The account number associated with the fraudulent charges/account is XXXX. The address used for the fraudulent charges is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The charges show on the credit report as being opened on XX/XX/2023. I need these fraudulent charges from identity theft removed immediately as this is affecting my ability to purchase a new home. I worked hard to get my credit score to over XXXX and now my credit score is around XXXX and continues to decrease with each report of these fraudulent charges. The credit bureau responded to my dispute saying the charges were verified as accurate. This is not accurate so I re-disputed the charges again with the credit bureau who states they have turned this over to their fraud department.
Consumer complaint received 2023-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

he issue is causing me significant XXXX XXXX  XXXX, to the point where I'm XXXX XXXX XXXX. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.
Consumer complaint received 2024-04-26
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Account Recovery Services, Inc. (NY)

I have a debt for XXXX XXXX. I have lived in the same place since XX/XX/2021. I have never lived anywhere else. I have FTC REPORT for this. Ive also filed multiple disputes with credit bureaus and submitted FTC identity theft report and they are still not removing it.
Consumer complaint received 2023-05-05
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)

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. 

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 2023-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service International Corp (GA)

I was checking my credit report and notice a collection from a collection agency call credit service international company for the amount of {$1300.00} I called the number and spoke to a representative trying to explain I had no knowledge of the account they asked for my information which I provided they also could not find any information on that account so when asked if they could send a email stating that they told me that they could not send me any information and told me to dispute it on my credit report in which I did but the dispute was declined and it's still on my credit report the company was very rude and not helpful and is affecting my credit the data I called was XX/XX/XXXX the date of the so-called credit was XX/XX/XXXX and it said to be on my credit report till XXXX
Consumer complaint received 2024-04-26
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC (MI)

I have tried to work with the company to settle my debts but the have been providing false information and blocking me from doing so. In early XXXX I requested that they mail me my information and I did not receive any mail from the company. They do not leave voicemails indicated what the calls are about even though I have asked them to. They call me everyday sometimes twice a day. Here is information from this week to show frequency but they have been calling for months. 
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2023-07-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have an existing open mortgage in Good Standing with XXXX / XXXX XXXX XXXX. XXXX / XXXX XXXX  XXXX is not reporting my mortgage information to TransUnion or XXXX credit reporting agencies. 

I have been trying for over 1 year to get them to report it. TransUnion and XXXX both say they are not getting my mortgage information from XXXX / XXXX XXXX. The problem is impacting my credit score at both TransUnion and XXXX because neither company shows I have a mortgage. 

Current Principal Balance {$420000.00} Regular Monthly Payment {$3600.00} Next Payment : XX/XX/2023 XXXX XXXX XXXX
Consumer complaint received 2024-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

XXXX IRA 's were purchased from XXXX XXXX Bank XXXX XXXX in XXXX. When the IRA 's were presented for payment Wells Fargo refused. The whole backbone of IRA 's is the basic trust that an institution will maintain accurate records and subsequent disbursement of funds. Wells Fargo broke this trust. We demand Well Fargo produce an accurate value assessment of the IRA 's purchased and a year by year notation of the applicable interest rates.
Consumer complaint received 2022-11-25
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. (NJ)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see all accounts in my attachment. I have also attached a copy of the law FCRA 605b.I have also attached a copy of a FTC fraud affidavit.