davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (TX)

Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized on my credit report. 


XXXX XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
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)

Someone has used my personal information to apply for a vehicle related services. Below are the companies that ran my credit report without my consent. According to the FCRA legally these unverified and unauthorized items must be removed immediately. Below are the inquires from each credit reporting agency that were not authorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-09-08
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. (TN)

They gave my information away by making it available through an unsecured website. Although this was in XXXX of 2017 I was not informed until XXXX of 2017 that this happened.
Consumer complaint received 2023-07-22
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. (MI)

ALREADY REMOVED THROUGH XXXX XX/XX/2022 XXXX Unauthorized hard inquiries from the following institutions : XX/XX/2022 XXXX XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX, XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XXXX AXXXX XXXX XX/XX/2022 XXXX XXXX OF XXXX via XXXX XXXX XXXX, XX/XX/2022 XXXX XXXX XXXX via XXXX XXXX XXXX Also fighting an ongoing identity theft case in California/Michigan for the past XXXX years XXXX This has been reported to the FTC, IRS, California XXXX, Michigan XXXX and am in process of pursuing action with the FBI as this is quite possibly a case of organized crime and identity theft. I will also be looking into the XXXX and XXXX XXXX breaches from the late twenty-teens and early twenty-twenties in order to figure out the source of the breach and pursue further legal/civil action.
Consumer complaint received 2022-11-01
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: U.S. BANCORP (NV)

My US Bank Home Mortgage Account is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Consumer complaint received 2023-07-22
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. (NV)

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had a statement balance on my account that I made full payment on the statement balance but instead ended up with interest charges. The due date was Saturday XX/XX/2023 which was a Saturday. I made the payment for the full amount on XX/XX/2023. I was never aware that Capital One credit card had any issue with paying after XXXX XXXX XXXXXXXX which other financial institutions I had accounts with never did. First, I was charged late payment fee of {$40.00}, when I actually paid on the payment due date. When I called to challenge their actions the late payment fee was then waived instead of it been reversed. This showed me that this credit card provider was shady and out to extort money from consumers at any opportunity. When I logged into my account today, I realized that I have been charged a purchase interest rate of {$110.00} on a purchase balance of {$6700.00} on a 20.49 % APR. So I called again to ask why I was been charged that interest and the reason given was because my payment was late. This is so annoying knowing that I submitted payment for the full statement balance on the due date, and after making such huge payment on time of {$9200.00} statement balance to avoid the interest, I was still charged interest, showing how insensitive and mean this company is to rob a customer of their hard earned money in this time of difficulties that all Americans are trying to make ends meet. I am aware of people that are not even able to make minimum payments and with all effort to make full payment on time this is happening.
Consumer complaint received 2024-03-24
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: EQUIFAX, INC. (MO)

The company XXXX XXXX XXXX is in violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalid Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.

I recently tried to apply for an apartment complex and due to this inaccurate information I was not able to obtain housing. Recently I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items. The company didnt report the information 100 % correctly. Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer is 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.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2023-07-22
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. (PA)

Upon review of my Credit Reports. I found that I have numerous Hard Inquiries on my reports that I did not authorize. ( See Identity theft report ) The following are Hard Inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
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. ()

I moved to XXXX in XX/XX/2023. While here, I am unable to access the website for my XXXX XXXX without using a XXXX, even at times that doesnt work properly. 

I was unable to make a payment in XX/XX/2023 timely on my XXXX as I couldnt login to the account properly. Because of this, XXXXXXXX XXXX reported 30 days late to my credit report. 

I have since paid off the account to prevent any further issues from their geoblocking.
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Merchants and Medical Credit Corporation, Inc. (MI)

Negative event on credit report. Never contacted regarding billing for unknown service. Tried to call and discuss company wanted too much personal information. If the company can post to my credit report they would have obtained the information requested.
Consumer complaint received 2023-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (IL)

As required by the City of XXXX Fair Notice Ordinance ( attached ), The XXXX failed to provide me with the required 60 days notice prior to my lease ending to raise the rent on the following contract ( copy of lease and renewal communication attached ) : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX My lease was to run from XX/XX/XXXX - XX/XX/XXXX. The renewal terms with significantly higher and unaffordable rates were not extended until XX/XX/XXXX XXXX days prior to our lease ending. 

At the time, I contacted the manager and let him know that we planned to stay had the lease terms not gone up over 30 % plus an increase in utilities from my original terms. The month to month would be over 70 % increase. I let him know it was simply not affordable for a college student. I also informed him that we were now outside of the 60 day notice period to vacate since these terms were not shared timely. Therefore, the property chose to exercise the 30 day notice to vacate option in my lease terms ( see attached lease section 3 ) I provided a written notice to vacate on Thursday XX/XX/XXXX to the front office ( attached copy ) in accordance with the cut-off time indicated by the manager. I referenced that cut-off time in a subsequent email to the property manager ( no longer with the company ). Subsequently on XX/XX/XXXX I received a request to complete a notice of intent to move with my forwarding address which I completed and submitted immediately. I indicated a move-out date of XXXX on the original request but subsequently moved out on the last day of the lease XXXX/XXXX, completed the move-out inspection, and dropped off the keys. 

To my surprise, at the end of XXXX I received an email that at first glance appeared to be phish. It was a bill for over {$2000.00} with no explanation. I requested info and was told it was due failure to provide proper notice. In addition the property logged a move-out day of XX/XX/XXXX. This is totally false as the keys have been in their possession since XX/XX/XXXX which is the same day that I moved into my new apartment. The address was provided to them ( see attached ). When asked for a copy of move out records including record of receipt of keys, I was informed that the previous site manager was no longer employed. I did everything that I was supposed to and deem this collections effort to be fraudulent and at a minimum a gross oversight by their administration team. 

On XX/XX/XXXX I received an adverse action to my credit on behalf of a collections agency Columbia Debt Recovery DBA Genesis that did not notify me until Tuesday XX/XX/XXXX via email ( not mail ) that they have the debt. I have attached a screenshot of the email which appeared like spam. I had to look the business up and was in the process of reading reports of unfair collections practices.
Consumer complaint received 2023-07-22
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. ()

My family was directly affected by XXXX XXXX & XXXX XXXX in XXXX  as a result a payment is showing 30 days past due on my credit report. 

As it relates to a natural disaster, my mom told me to contact my bank and ask for a good faith removal of the 30 day late as all payments were current prior and after this one. 

I contacted the bank and was told the credit bureau makes that decision which is not true.
Consumer complaint received 2023-07-22
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)

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 : Account Name XXXX XXXX  XXXX # XXXX {$410.00} Account name : XXXX XXXXder {$520.00} 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 written instructions.

15 U.S.C 1681e. XXXX XXXX  ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 XXXX XXXX XXXX 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 2017-09-08
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. (MD)

All my student loans show 90-120 days delinquent in 2013 when all of them where in deferment. They never corrected the issue and just published a personal statement that I did not authorize nor state.
Consumer complaint received 2023-07-22
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. (TX)

The three bureaus are reporting an account that was under litigation and that was 100 % settled and a nonsuit with prejudice was filled with the court. Documents attached, still the credit bureaus are reporting as charge off with a balance of {$850.00}. We have contacted XXXX  and they requested me to complaint and dispute the accounts with the bureaus which we did but this did not work and I see the account reported. This is illegal and in case they don't take action and remove the account I will have to sue the three buraus. This is not Right!.

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-22
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. (KY)

I have been submitting a complaints requesting the TransUnion Bureau to REMOVE the FRAUDULENT ACCOUNT on my credit file that damages my entire score, with complete attachments of my personal information and FTC Report. I am a victim of identity theft, and under section 605b of the FCRA, the TransUnion Bureau is obligated by law to remove any items which were found to be opened due to identity theft. The dispute account does not belong to me. Nevertheless, the requests I have sent out were consciously DENIED & NEGLECTED which I considered being unprofessional on the Bureau 's end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the fraudulent account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-02
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I took a mortgage loan from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX. md XXXX, phone XXXX XXXX XXXX on XXXX. 
XXXX, the house was foreclosed and sold in public and the credit union took over the property. 
Now the credit union reported to the three credit bureaus a foreclosed date of XXXX which was wrong and secondly they put a balance of {$67000.00} due to be paid by me why in actuality, the account was charged off. I had disputed this several times, with the credit bureau and results came back unchanged. 
This had resulted in my inability to secure a mortgage loan for a new house or reasonable loans to do business. 
I had contacted XXXX XXXX several times to correct this information but to no avail. Please mediate in this matter.
Consumer complaint received 2022-11-02
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.