davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-09
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. (CT)

I am a victim of Identity theft. This is my official statement about the crime. 

US Department of Education Fraudulent Federal Student Loan Company or Organization : US DEPT OF EDUCATION Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2500.00} Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report i tried to dispute and was not successful with Credit Inquiries ( US DEPT OF EDUCATION ) Date XX/XX/XXXX my resolution Delete Hard inquiries XXXX, TransUnion, and XXXX
Consumer complaint received 2023-06-28
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. (PA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX Account name : XXXX Account numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account numberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-12-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Santander Consumer USA Holdings Inc. (MI)

I entered a consumer credit transaction on XX/XX/2021 with Chrysler capital I was approved for a 2021 XXXX XXXX XXXX online the website instructed me to take my approval to the dealership I picked which was the XXXX XXXX and XXXX in XXXX, mi. I went to the dealership I was told by finance manager I was denied. I contacted Chrysler capital and they sent me a letter stating I was denied for insufficient credit history. They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction
Consumer complaint received 2023-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

My credit report from Experian contains inaccurate information. On a collection account, you can not report a late payment or a past due ; doing so is a violation. Due to incorrect information being published on my report, this has made me XXXX and prevented me from living my life to the fullest.
Consumer complaint received 2023-06-28
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. (FL)

XXXX XXXX XXXX XXXX reported multiple late payments on my accounts, however I was in the process of applying for federal student loan forgiveness and consolidation and was in the process of transferring this loans to the Department of Education. The loans were officially taken over by the department of education at the end of XXXXXX/XX/2022, but XXXX reported multiple late payments to my credit score during the transition process in XXXX and XXXXXX/XX/2022. I am trying to refinance my home to pay for damages to my roof and because of these items my lender will not approve this. On top of that, despite the credit reporting being of no fault of mine due to the active transfer process, I was severely injured in a car accident in XX/XX/2022. I am a XXXX that was working COVID Crisis assignments in XXXX all over Florida and was in an accident leaving me unable to walk for almost four months, and had no I come at this time. I am a single mother of XXXX children and I paid the necessary bills to survive, none of which included the loans from the XXXX XXXX as the account is closed and transferred, and I was told due to the pending legislation for student loan forgiveness for nurses, no payment is due at this time.
Consumer complaint received 2023-04-30
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. (FL)

I've been disputing fraudulent accounts for the past year, and Transunion have not provided me with substantial proof of validation that they claim they've received. I have made several attempts to remind Transunion of their obligations under 15 USC 1681. It appears that they are deliberately and willfully acting in negligent in resolving my issues. I have made attempt after attempt to have these errors removed from my credit file. I have previously provided copies for my FTC report as well as proof that I was a victim of the 2017 XXXX data breach. Th.e accounts that are fraudulent and need to be removed from my Transunion credit file are XXXX XXXX AND XXXX XXXX. These accounts are fraudulent I demand please remove IMMEDIATELY!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-30
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. (FL)

I am writing to file a formal complaint against TransUnion regarding their failure to update my credit report to remove a XXXX XXXX bankruptcy that was never approved. Despite my numerous attempts to dispute and provide supporting documentation, TransUnion has not taken any action to update my credit report and this has caused significant harm to my financial standing. 

I have made several attempts to dispute this erroneous information with TransUnion. I have uploaded supporting documents through their dispute center three times, and have sent certified mail to provide additional documentation. I have also called their customer service department multiple times and spoken with supervisors, but the issue has not been resolved. 

The bankruptcy was never approved, and there is no record of it in the public record. However, TransUnion continues to report the bankruptcy on my credit report, which is causing significant harm to my credit score and financial standing. Additionally, TransUnion is reporting an account with XXXX with the account number XXXX, which is contributing to the negative impact on my credit report. 

I demand that TransUnion immediately update my credit report to remove the XXXX  XXXX bankruptcy and the erroneous account with XXXX. I also request that TransUnion compensate me for any damages that I have suffered as a result of their negligence. 

Their failure to update my credit report has caused me significant financial harm, and I believe that TransUnion should be held accountable for their negligence. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Consumer complaint received 2023-03-10
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. (IL)

TRANSUNION, XXXX, & XXXX Continues To Allow Fraudulent Inquiries On My Credit Profile After I Placed Security Freeze TRANSUNION ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX - XX/XX/2023 2 : XXXX XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX - XX/XX/2023 4 : XXXX XXXX XXXX  - XXXX XXXX 5 : XXXX XXXX XXXX - XX/XX/2023 6 : XXXX XXXX XXXX - XXXX XXXX 7 : XXXX  XXXX - XXXX XXXX 8 : XXXX - XX/XX/2023 9 : XXXX XXXX - XXXX XXXX 10 : XXXX XXXX - XXXX XXXX 11 : XXXX - XXXX XXXX 12 : XXXX  XXXX XXXX XXXX XXXX XXXX 13 : XXXX - XXXX XXXX 14 : XXXX XXXX XXXX XXXX XXXX XXXX 15 : XXXX XXXX - XXXX XXXX 16 : XXXX XXXX - XXXX XXXX 17 : XXXX XXXX - XXXX XXXX ___________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 : XXXX XXXX - XXXX XXXX 2 : XXXX XXXX XXXX XXXX XXXX 3 : XXXX XXXX XXXX XXXX XXXX 4 : XXXX XXXX XXXX XXXX XXXX XXXX 5 XXXX XXXX XXXX XXXX XXXX 6 : XXXX XXXX XXXX  XXXX XXXX XXXX 7 XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 8 : XXXX XXXX XXXX XXXX XXXX 9 : XXXX XXXX XXXX XXXX 10 : XXXX XXXX XXXX XXXX XXXX XXXX ____________________________________________________ XXXX ALLOWED THE FOLLOWING FRAUDULENT INQUIRES 1 XXXX XXXX XXXX XXXX - XXXX/XXXXXXXXXXXX 2 : XXXX XXXX XXXX  XXXX XXXX XXXX/XXXXXXXX 3 : XXXX XXXX XXXX - XXXX/XXXX/XXXX 4 : XXXX XXXX XXXX - XXXX/XXXXXXXX 5 : XXXX XXXX - XXXX/XXXXXXXX
Consumer complaint received 2023-07-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (WA)

I received a letter that I owed over XXXX XXXXXXXX to an apartment that " didnt receive '' our break lease fee. They charged us rent until the end of our lease despite ample notice and not cashing our break lease fee. They never called or sent a letter to our forwarding address of any bill owing. After they sent us to collections I still have not received any paperwork of what is exactly charged from the apartment. I was told if I didn't apply for a loan through XXXX they wouldn't allow me to setup a payment plan and they would damage my credit by reporting me to the credit agency. I tried to setup a payment for the XXXX of the next month only a few days to a week away and they demanded immediate payment or they wouldn't work with me. Again I felt threatened and I still don't knew exactly what I owe from the apartment I believe fraudulently didn't cash my check so they could collect more.
Consumer complaint received 2023-05-22
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. (GA)

XXXX and XXXX = Recently had a breach and personal information was leaked out by inside employees. I would like my Credit information of any and all Collections and Charges offs and late payments removed due to the Credit laws and Federal Guidelines. These Credit Reporting agencies have put my personal credit in danger by denying lines of credit along with my business lines of credit in danger. 

XXXX My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent Still has more than one address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested.

2. Two fraudulent collections are currently on
my credit report. I would like signed proof from both accounts with my signature giving the right to enter private wrongful information concerning me without my written permission. a. XXXX XXXX XXXX ACCT # XXXX is the first four numbers condition : closed. XXXX XXXXXXXX XXXX XXXX  ACCT # XXXX. I have several listed accounts that are also closed and I requested per federal reporting laws should not be listed because they too have no written approval from me. XXXX XXXX  Acct XXXX - XXXX XXXX  Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX  is providing personal information that I did not give them written permission along with proof I was late. 

XXXX My one and only correct address is XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Federal laws and guidelines have 30 days to remove. 
Still has more than one address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested. 
XXXX XXXX XXXX Acct # XXXX  is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX  Acct # XXXX TransUnion : My current employer is listed wrong still- has my wrong address XXXX XXXX XXXX XXXX, XXXX XXXX - My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Within 30 days should be removed. I have sent them my SSN card and Driver 's lic as requested. XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX Acct # XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-09-26
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. (PA)

There is a XXXXXXXX XXXX account reporting on my credit report. Ive submitted multiple disputes for this account with Transunion, XXXX, and XXXX due to the inaccuracy of the account. 

XX/XX/XXXX I received notice of an account that was disputed via online and it came back again verified and updated. 

XXXX XXXX I mailed a certified letters to all three bureaus in regards to this account. 

XX/XX/XXXX I received notice of an account that disputed via online and it came back verified. 

XX/XX/XXXX I received another update to that account that it is now open The first issue I have is that the issue company is reporting a balance when in reality the company has wrote the debt off and has been able to get money in collateral for the tax wrote off. 

The second issue that I have is I never received any documents about this account. No information on closing of account, no tax documents were sent to me as far as the write off goes becuse it was reporting as my debt. 

The icing on top of the cake is when I received an alert today XXXX XXXX via XXXX saying I had a new delenquent account that was open. And the account was for XXXX for XXXX XXXX
Consumer complaint received 2023-03-10
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. (GA)

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED INQUIRIES I DID NOT AUTHORIZE NOR HAVE HAD ANY ACCOUNTS WITH THESE COMPANIES. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-28
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-22
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: SYNCHRONY FINANCIAL (WI)

I went to XXXX XXXXXXXX XXXX XXXX last XXXX in immense pain and the employee convinced me their insoles were immediately helping. I was crying through most of the appointment and wanted to believe they would help my feet feel better. ( 4 sets of insoles were also {$2100.00} ) The first issue was that the insoles intensified my XXXX XXXX and I got XXXX XXXX from them. The employee made promises she could not keep and told me they would help my other medical issues and then had me sign something saying they do not diagnose or treat problems even though the employee did just that. 

A few weeks later I got a new credit card in the mail that I had no idea where it came from. I found out that XXXX XXXX XXXX XXXX employee had signed me up for Care Credit without my permission. She took the signature I gave her which she told me was just for the authorized down payment with my debit card, and put it on a Care Credit card application and filled out the rest herself. 

I went back in again to see if them swapping out my insoles would help and again it just made things worse. They have a no refund policy so when I went back in a third time to plead with them to take them back they said no. 

I've tried 2 times to call Care Credit 's parent company, Synchrony Bank, to submit a fraud report. Both times it was denied and I got another bill in the mail. I submitted a third report for them to ask XXXX XXXXXXXX XXXX XXXX if I could just return them and that also got turned down. They showed me my " application '' for the credit card that I had never seen before and said that was proof I did sign it knowing what I was doing. 

I am at a loss for what to do other than to contact a lawyer. Originally I thought I would be making payments on XXXX XXXX XXXX XXXX XXXX website with my debit card, because that's what the employee said was the case. I could afford it at the time to pay the entire thing off immediately with my debit card but she made it seem like she couldn't take the whole payment at once and I had to pay on the website. 

I have researched about both companies since and have seen that both of them have been sued for situations exactly like mine. They are still doing what they were sued for.
Consumer complaint received 2023-06-28
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. (NC)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent? Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


.there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-28
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: Experian Information Solutions Inc. (FL)

XXXX XXXX sold my mortgage to XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX, I was never sent a letter to inform me of this change. I had my bank account set up to auto draft my payment every month. I had been in my house over 14 years and have never missed a payment. When my bank sent the payment to XXXX after they had sold the account XXXX sent the payment to XXXX. Then the next month when XXXX received the payment they sent it back to my bank. I was not aware of the change until my bank contacted me and told me the payment had been returned. I contacted XXXX  who told me they had sold the account. Then I contacted XXXX at which time the payment was already late. XXXX told me that if I provided them with proof that my bank had sent the payment to XXXX on time and a good faith letter from XXXXXXXX admitting it was their mistake they would amend the credit report. I sent them both of those things and they refuse to fix the missed payment report. I have USPS reporting that sends me a email of all my mail, I never received a notice that my mortgage company had sold my mortgage and that I needed to take action.