davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-09
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)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-01-20
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

XXXX XXXX  XXXX
Consumer complaint received 2023-02-16
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 have violated my Federally protected consumer rights to privacy and Confidentiality under 15 US 1681. 
Account name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Account Name : # XXXX, Has Violated my Rights.

15 U.S.C 1681 section 602 A. Stated I have right to Privacy 15 U.S.C 1681 section 604 A section 2. it also states that 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 7 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 2024-01-19
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. (CA)

My information was sold and bought illegally because I was a victim of the XXXX Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (NC)

XXXX closed my account because of overdrafts and I fixed the overdrafts every single time I transferred the funds as soon as it happened ( immediately ) to fix it. My account was not overdrawn 30-40 consecutive days that is Ally policy so they are breaching there policy and discriminating against me. I also advised them several times I was a victim of fraud because my XXXX card was hacked. I did a police report but I have to wait 24-48 hours for me to be able to print it out but it will be signed an investigator thats what the police officer advised. I dont feel I should be reported to Chex system or my account to be closed because despite if the charges were mines I kept fixing them the ones from XXXX  It seems to be that all of them are not mines and Im still working on getting the information from XXXX to confirm that.They got into my XXXX, Afterpay and even my XXXX XXXX Checking account as well as I believe XXXX bank account. I dont know if there will be anymore damage. This isnt my fault. XXXXXXXX XXXX is wrong for closing my account and reporting me to Chex system because I kept fixing my account and I told them about the fraud they did not care, showed no empathy or understanding and closed my account. My other accounts to transfer the money except my XXXX have been changed or I would of fixed the most recent {$18.00} charge off before it was charged off. Im only one person and Im still working on seeing how much and what the hacker has hacked. Talk to me like I was XXXX once I told them I was XXXX and discriminated against me. I apologize this was not my fault or done intentionally. I have transferred {$60.00} from my cashapp to fix the charge off/over draft. Can we please rectify this and give me a chance to look in to this like my other bank accounts have done and also made sure this doesnt happen again by changing my account numbers and my credit cards. Its estimating around {$10000.00} so far the damage they have done and Im still working on gathering more information. I dont know if its going to continue. XXXX allowed this to happened and Im doing my best to fix it. I have school, children, work and XXXX XXXX so things take time. Please be understanding. I will have the police report in the next 24-48 hours. Thank you.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX and XX/XX/XXXX I submitted disputes on a collection appearing on my credit report. Both TransUnion and XXXX responded back and notified me that the results of their investigation were updated. However, on both occasions, they did not provided me with the physical verification as I had requested.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

After reviewing my report, I attempted to dispute two incorrect addresses online. I could not dispute online due to my XXXX XXXX XXXX XXXX reporting these addresses. Once I was aware of an error, I spoke to a XXXX XXXX representative over the phone to resolve and/or correct any errors. 

Then I called Experian on XX/XX/2022 to dispute the inaccurate address and was told it would be updated almost immediately. However, these addresses are still reported in my report.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (CA)

This complaint is to follow up on my previous complaint. The items that I am disputing are misleading and must be investigated. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX The addresses listed above are not my home address The accounts are inaccurate and fraudulent. Im seeking Litigation. 
The inquiries are unauthorized and fraudulent. 
Please delete them at once.
Consumer complaint received 2023-03-03
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: EQUIFAX, INC. (VA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-09
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$1000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$32.00} Credit Limit {$1500.00} Highest Balance {$1600.00} Terms NA Payment History XXXX XXXX XXXX not mine FCRA violations remove it
Consumer complaint received 2019-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC (WA)

Jefferson Capital Systems , LLC, is a debt buyer that purchased a charged-off account from XXXX XXXX XXXX XXXX with a closing date of XX/XX/XXXX. XXXX XXXX XXXX XXXX acquired the charged-off account from XXXX on XX/XX/XXXX. XXXX is the owner of XXXX credit accounts. On XX/XX/XXXX a Summons and Complaint was delivered to a person at my residence of XXXX XXXX XXXX, XXXX XXXX, WA XXXX. On XX/XX/XXXX I sent my response to the Summons and Complaint certified mail with return receipt requested. Upon receipt of the Interrogatories and Admissions, I completed and returned them along with a letter dated XX/XX/XXXX explaining my exempt status and my Social Security XXXX Award Letter. I advised them that the only income I had was Social Security XXXX, which was exempt from collection.The next thing I received in the mail was Note The letter stated that if I choose to ignore the letter, Jefferson Capital Systems , LLC. may seek to enforce the judgement through remedies that it typically seeks, such as obtaining a court order to garnish my wages, levying my bank account, or placing a lien against my home I find this threatening, manipulative and harassing since they are making threats to try to get me to pay on a debt that is clearly exempt from collection activity and illegal to pursue in regard to garnishment, levying or liens. In addition, Jefferson Capital Systems , LLC. is not a creditor but a debt buyer. They are not collecting for the original creditor only for their own profit. They paid pennies on the dollar to purchase the debt, which was not purchased from XXXX or XXXX, but purchased from XXXX XXXX XXXX XXXX XXXX to their threats of pursuing more court collection activity they are causing physical, mental and emotional problems for me. This is not good due to my fragile physical health already, I am asking for your assistance in getting them to understand that my income is exempt and therefore, they have no legal right according to law to pursue collection of this debt.
Consumer complaint received 2023-02-16
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX / Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX Have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (GA)

I had obtained a copy of my credit report through a third party and noticed that there were several inquires on my credit report that were unauthorized please investigate and delete. 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-16
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. (AR)

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, Dept of EducationXXXX XXXX XXXXXXXX, Dept of XXXX XXXX XXXX XXXX XXXX of EducationXXXX XXXX XXXXXXXX XXXX Dept of EducationXXXX XXXX  XXXX, Dept of Education/XXXX XXXX Dept of EducationXXXX XXXX XXXXXXXX XXXX Dept of Education/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 2023-02-16
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: Experian Information Solutions Inc. (FL)

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-09
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)

On XXXX, I reached out to USDA  and requested : I request a goodwill removal of the negative ratings on this account due to XXXX. I enrolled in the XXXX moratorium during that time so the account should not have reported late. Please help me as the XXXX late payments are causing a negative affect. 
USDA did not respond and the credit bureaus are still reporting the inaccurate information even after submitting proof that the information was inaccurate.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

After finding out that Equifax had wrong name associated with my account and having placed six calls on why there was a freeze on my account it still was an issue. As requested by the company I mailed copies of my drivers license and social security card to them to correct the name. I received a letter saying this issue was resolved. Now today it is coming out that they are placing a fraud alert on my file since this issue was not resolved. This is a never ending problem with Equifax and incorrect reporting issues with them regarding my name and credit freezes. 


I then placed 3 calls within the last 2 weeks and have attempted to remove the freeze and the fraud alert on my account I am still not able to get my credit union a credit report from this agency. Attached is an email from my credit union as of today. This problem dates back to XXXX when I first filed this complaint with this Bureau. 

When calling them when you want to remove a freeze instead of offering an option to place or remove the automated system automatically places another freeze. So this ends up going round and round having to speak to someone who barely understands English as a second language. It takes no less than 20 minutes to get through the voice mail decision tree, texts to confirm identity so the calls take over 30 minutes once you get through to speak with someone who doesn't understand nor takes care of the problem. 

Here are the case numbers from last week and earlier today, there was a case number today but was unable to understand the CSR and could not right it down. XXXX & XXXX I need my file cleared off so I can get my autoloan approved. If this is not resolved I will call my legislators at both the state level and federal level to report these issues. The credit bureaus are impossible to work with and should be abolished!
Consumer complaint received 2023-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (TN)

On XX/XX/2022 I requested for Hyundai Motor Finance to stop sending me Notice of Default letter. For a loan that i never received form them and to remove there name off of my credit report and off of my Certificate of Title. 

On XX/XX/2022 Hyundai Motor Finance hired a tow-truck service company to come and steal my car. After I call XXXX police the Police Officer came out and found out that it was order my Finance Company. I informer the officer that I do not have a Finance Company. When the car was allegedly stolen they did a lot of damage. 

On XX/XX/2022 I filed a claim with my insurance company for theft of property. 

Hyundai Capital has impacted my life by there deceptive and deceiving practicing. 

I filed Bankruptcy it was the only thing that i could think to do at the time. The Bankruptcy case has been dismissed. 

On XX/XX/2022 Hyundai Capital America ( HCA ) DBA Hyundai Motor Finance filed a proof of Claim for {$29000.00} for money loaned that I never received.
Consumer complaint received 2023-02-16
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. 

Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX : # XXXX, Account Name : 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 2021-01-26
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: SYNCHRONY FINANCIAL (TX)

My right to privacy is being infringed upon according to 15 USC 1681 ( 4 ) with this reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see the contract.
Consumer complaint received 2023-02-16
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. (CA)

XXXX reported my Mortgage Late for three months and it was only late for two months. They paid the wrong Home Owners Insurance Company so my homeowners insurance was not active prior to XXXX XXXX XXXX. They are always reporting the wrong amount on my statements and on the credit bureaus and my FiCO Score went down over 50 points because of their reporting the wrong information.