davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (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.

The letters are stated with items and issues.

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 2023-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (IL)

I recently received a letter from XXXX stating that a credit card for their store was opened up in my name. I never applied for the card. I called the company and they said a block was put on the card. I asked them to cancel the card and the lady helped me out with how to proceed with the process. they were able to access a card by having my phone number and my social security, No charges were made on the card because theyre was a security hold put on it.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co (NV)

On XX/XX/XXXX, I received my XXXX Dispute report. It showed that SAFCO was deleted, however in checking the other 2 credit bureaus the debt still showed. I contacted the company on XX/XX/XXXX and spoke to XXXX who advised that yes they responded to the disputes and she is unsure as to why it was not deleted on all 3 bureaus. She stated she would call me back in a week. No return call was received. If you sent XXXX the deletion information then it should be sent to all 3 bureaus correct? 

SAFCO:XXXX  ACCT # XXXX Amount : {$11000.00}
Consumer complaint received 2023-05-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (GA)

I have paid off M & T BANK, but they refuse to offset their books to show my account paid in full on XX/XX/2022. In addition to this Writ of Quo Warranto was sent to XXXX XXXX and XXXX XXXX XXXX. Then recorded on the public record. 
The deed was reconveyed to me and recorded on the record and signed off of by the chief judge and yet M & T and their XXXX partners are trying to disregard all of this and give the false impression that they have a legal interest in the home. Their shadow title and their claim as the principal XXXX XXXX XXXX attorney in fact has been dissolved and recorded on the record Georgia revocation of Power of Attorney. 
XXXX XXXX. is the attorney and debt collection company in this collusive XXXX action. Their CEO XXXX XXXX was also served with a writ of Quo Warranto and he did not answer. He was also sent the recorded revocation of power of attorney dissolving the attorney-in-fact relationship and their fraudulent activity. Seeing that XXXX and M & T refuse to adhere to the law but use a statute ( which is not a law ) to justify their actions I am forced to present them with the attached lawsuit for their criminal activity. XXXX XXXX has been served with a special deposit to access the spendthrift account and offset the account according to the FAS XXXX, XXXX books. I am also ordering the judge to subpoena both sets of boos and all accounts as Banks are known to keep more than one set of books. one liability and one asset. usually, the accounts have no knowledge of the other. So when a complaint like mine comes in they can not fine the offset documented. They will show up in court and sign an affidavit to testify and not lose sleep because they genuinely do not know of the separate books. The other misconception is that banks deal with money... they do not they are in the business of selling securities which begin as promissory notes.
Consumer complaint received 2023-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.
Consumer complaint received 2022-11-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (GA)

I do not know nothing of this debt ( {$2600.00} ) that this debt collector is trying to collect from. I do understand that if I am receiving notices of debt in the mail that my information has been exposed to a third party and this is against my rights according to the Fair Debt Collection Practices Act. I have been harassed by these people countless times. They have sent me emails regarding the debt and phone calls. They have sent mail more than once about this debt. The phone calls implied that further steps would be taken by them if i don't pay for the debt, 15 U.S.C. 1692d. I have been stressed out due to this company because I know they are violating my rights. They are just a third-party debt collector participating in bad debt-collection practices. I wasn't even properly notified how to dispute or even I was able to dispute this fraudulent debt.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (MS)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/2021 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 2023-06-07
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. (FL)

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 XXXX Account # XXXX Open Date XX/XX/2018 Balance {$15000.00} 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 2023-06-07
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. (OH)

I sent a letter out on XXXX to XXXX, Transunion, XXXX and XXXX here is my tracking number : XXXX however the credit bureaus said the completed the investigation and everything was 100 % accurate According to the law 15 U.S code section 1681a Definition rules of construction the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to and how did they complete this investigation
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 — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA violations : inquires not mine XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA violations XXXX not my names XXXX XXXX FCRA violations : payments never late XXXX XXXX FCRA violations : accounts not mine XXXX XXXX # XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1800.00} Status Account charged off. {$1000.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$820.00} Status Collection account. $ Overview XXXX XXXX Account Number XXXX XXXX Account Status CHARGE_OFF XXXX XXXX XXXX  Account Number XXXX XXXX Account Status CHARGE_OFF XXXX XXXX Account Type INSTALLMENT Creditor Classification Loan Type NOTE_LOAN Original Creditor Name Months Reviewed 20 Activity Designator Terms Frequency MONTHLY Term Duration 10 MONTHS Purchased From Sold To Balance and Amounts Balance {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Owner INDIVIDUAL Account Type INSTALLMENT Creditor Classification Loan Type UNSECURED Original Creditor Name Months Reviewed XXXX Activity Designator Terms Frequency MONTHLY Term Duration 13 MONTHS Purchased From Sold To Balance and Amounts Balance {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX
Consumer complaint received 2023-06-07
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. (MD)

Original Creditor - XXXX XXXX XXXX  XXXX Amount : {$630.00} Collection Company - XXXX XXXX XXXX This account I've been fighting for a few years now. This was not opened by me! Its not my responsibility. I'm not sure what or how it was verified. This is not done by me and needs to be off of my credit report immediately.
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IL)

On XX/XX/2022, I took a personal loan from OneMain Financial. The amount was a little bit over XXXX .The lady who processed the loan told me that my interest rate is 35 % ( which is the ceiling I illinois ), and she told me that in just a few months, it will drop either by refinancing or when my credit score gets better ..On XXXX, my score hit about XXXX, and I tried to refinance, but I didn't get approved, instead, it went as a hard inquiry on my credit report ... I was told back then, to wait till I make more payments in order for me to get qualified for a lower rate ..My credit score had been about XXXX since XXXX, so a few weeks ago, I decided to refinance. Again, I got denied and the reason was I didn't have enough credit ... I have had many credit cards and loans during the years and I don't understand why they want to lower my interest rate .I 've been making payments on time and I never missed any payment since I took the loan, but u still see not much difference in my balance ..I wouldn't have taken this loan with this high interest if I wasn't told the interest rate would change in the few months. Now, it's his been almost 10 months, and I'm still making payments with high interest. I also believe the loan offics misled me and wasn't truthful with me the day I took the loan .She promised me that it will drop in a few months.. This lady yelled at me on the phone and she didn't respect me, because I didn't agree with what she told me .She was pressuring me to reapply and get more miney if I qualify.She told me the same lie, the other representative told me when I was applying for refinancing : they both said it won't be a hard inquiry, but when i checked my credit report, the hard inquiry was there .My credit was a bit affected because of that. 
I want an investigator who will take this seriously, because in ky previous complaint, neither the investigator nir the institution took this seriously, and their decision was on theor behalf not in mine. 
Meanwhile, I will be taking a legal action against this institution and every loan agent who scammed me.
Consumer complaint received 2023-06-07
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)

This is the second instance where I am challenging these entries on my credit report, yet no concrete actions are being taken to rectify the situation. It seems as though a thorough investigation isn't being conducted ; instead, the items are simply being verified automatically.
Consumer complaint received 2023-06-07
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. (OH)

I sent a letter out XXXX to XXXX, Transunion, XXXX, XXXX XXXX  here are my tracking number XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making since.According to the law 15 U.S code section 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2023-02-07
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX, XXXX, XXXX ; XXXX XXXX XX/XX/2021.
Consumer complaint received 2023-01-02
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 U.S Bankruptcy Court reference # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX  account # XXXX, XXXX account XXXX XXXX and XXXX XXXX XXXX account XXXX XXXX  has violated my rights. 

15 U.S.C 1681 Section 602 A state 's 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 2023-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: YSA ARM LLC DBA Oxygen XL (NY)

* Not my debt, have no idea of what debt is for *Received notification of debt on XX/XX/2023 *Disputed debt in writing and asked for verification of debt ( XX/XX/2023 ) XXXX XXXX, XXXX  received signed return receipt that letter was received *No response from company in writing or any form of communication XXXX XXXX XXXX collection agency reported debt collection to XXXX XXXX, I have never lived at the address in XXXX XXXX XXXX
Consumer complaint received 2024-03-21
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. (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 2023-01-02
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. (FL)

TransUnion, XXXX, XXXX are all knowingly report accounts on my consumer credit report without full compliance of the FCRA. 

Multiple accounts reports as verified but still reports accounts is inconsistent with all of the major XXXX credit reporting agencies. Incomplete name and address currently being reported. 
Unverified and inaccurate balance and past due amount. 

XXXX accounts that has not been verified through methods of authentication as required by federal law. 

Old accounts and or reinstated accounts which has not been notified XXXX business days prior as required by federal law Misleading information being reported to damage consumer Credit. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX misleading account name and address on all three major credit reporting agencies including TransUnion XXXX and experience violation, inaccuracy, incomplete reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX creditors name and address. Violation of federal law
Consumer complaint received 2023-01-09
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: Experian Information Solutions Inc. (TN)

In accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX acct # XXXX Has violated my consumer privacy rights!!! 

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

15 U.S.C. 1681 section 604 section 2 It also states that a consumer reporting agency can not furnish an account without written instructions 15 U.S.C. 166b A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason..
Consumer complaint received 2023-06-07
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)

XXXX XXXX XXXX  XXXX XXXX, Transunion, XXXX and XXXX XXXX has been a nightmare. I am a victim of family violence. I was been XXXX XXXX XXXX XXXX XXXX XXXX XXXX into situations that were meant to destroy me. I sent verified documents, police reports, victims certification documents to this company and they have refused to accept the documents and release this debt. There is no one who would not sign for a debt when you are being XXXX XXXX XXXX XXXX XXXX  everyday. The only thing you can do is pray for your life and wait for the opportunity to get out. I had just had my daughter and she was just XXXX XXXX old when I was forced into this debt. If you are being XXXX XXXX XXXX XXXX everyday would you be able to say no to being forced into doing something that you did not want to do? XXXX, Transunion, XXXX and XXXX has been ruthless and nonchalant about the documents I have sent. What company will refuse to do the right, fair and just thing to restore an abuse victim 's life? XXXX, Transunion, XXXX and XXXX are the unethical companies. Not only are you all refusing to acknowledge the docs but you all resold this vehicle without providing any documentation and you all are also charging me the full balance of this debt. Where is the resale information on this vehicle and why are you all continuing to take the risk of reporting inaccurate information on my account. I am sick and tired of the heartless XXXX company and I will wholeheartedly pursue as many lawsuits as possible against you all as possible. I promise you that at this stage in my life I will file lawsuits against XXXX, XXXX, transunion and XXXX. This should be removed and updated ASAP. Financial abuse, while less commonly understood, is one of the most powerful methods of keeping a survivor trapped in an abusive relationship and deeply diminishes the victims ability to stay safe after leaving an abusive partner. Without assets, survivors are often unable to obtain safe and affordable housing or the funds to provide for themselves or their children. With realistic fears of homelessness, it is little wonder that survivors sometimes return to an abusive partner. For those who manage to escape the abuse and survive initially, they often face overwhelming odds in obtaining long-term security and safety. Ruined credit scores, sporadic employment histories, and legal issues caused by the abuse make it extremely difficult to gain independence, safety, and long-term security.