davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
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. (PA)

NOTICE OF COMPLAINT To : Transunion Consumer Fraud Division XXXX XXXX XXXX XXXX, GA XXXX Take due notice that this letter is a formal written complaint is a demand for the following items on my credit report to be Removed immediately as they are in violation of 15 U.S.C 1681 ( b ), whereas the following unauthorized inquires are indeed inaccurate and did not obtain my oral or written permission to report such unauthorized inquires and has done so by way of FRAUD! Each unauthorize inquiry calculates up to {$1000.00}.

15 U.S.C 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT ( 2 ) ( A ) ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 
( B ) ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. 

UNAUTHORIZED INQUIRES CREDITOR DATE FEES XXXX  XXXX XX/XX/2022 {$1000.00} XXXX  XXXX XX/XX/2022 {$1000.00XXXX XXXX XXXX XXXX XX/XX/2022 {$1000.00} XXXX XXXX XXXX XX/XX/2022 {$1000.00} XXXX  XXXX XX/XX/2022 {$1000.00} Total {$5000.00} In result of these unauthorized inquires, complainant shall be entitled to the calculation of {$5000.00} in remedy for fraudulent reporting of each inquiry on said credit report as it has caused an effect to my credit score.
Consumer complaint received 2024-03-13
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)

My personal data was compromised yet again on the recent XXXX XXXX data breach. Today XX/XX/XXXX I received a credit alert that my credit report was accessed by XXXX XXXX XXXX. I did not authorize this access, the alert was for XXXX, XXXX and Transunion. I am requesting that this inquiry be removed from my credit report.
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

XXXX XXXX XXXX {$500.00} closed XXXX XXXX XXXX XXXX XXXX Paid in full XXXX XXXX XXXX XXXX  account closed XXXX XXXX XXXX XXXX {$1000.00} account closed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  {$650.00} XXXX XXXX XXXX XXXX closed and its been 7 years XXXX XXXX XXXX XXXX XXXX XXXX Account closed and its been 7 years XXXX XXXX XXXX XXXX XXXX XXXX this is not my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-30
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TN)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2018-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonded Business Services, Ltd. (TX)

I need Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX Wyoming in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXXXXXX XXXX, with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXX until it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX, XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX and the receptionist of the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XX/XX/XXXX, then XX/XX/XXXX along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XX/XX/XXXX. This company is reporting a debt on my credit report that another company has. The other company, nationwide recovery, could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX, XX/XX/XXXX in XXXX of XXXX. XXXX XXXX XXXX   XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XX/XX/XXXX Attorney General XXXX XXXX.
Consumer complaint received 2023-02-05
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 exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my XXXX, XXXX, and TransUnion credit reports reported by XXXX XXXX XXXX XXXX for account number XXXX, and XXXX XXXX XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and TransUnion. To date, I have not received anycompliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. These accounts do not belong to me. I have no knowledge of these accounts. Unauthorized opened accounts. To date, XXXX, XXXX, and TransUnion are reporting false information to my credit reports. Therefore, I expect these accounts will be removed from my credit files immediately.
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC (MD)

I had a XXXX XXXXXXXX charger and it deemed a total loss by the insurance adjuster and American credit acceptance whom which the car was finance through put remarks on my credit file saying the car was a voluntary repossession and that it was affected by natural disasters. Thats not what happened and I submitted proof to all 3 credit bureau and they still came back after the disputes saying it was accurate and its not. Even American credit acceptance wont remove the remarks. Also, they settled with the insurance company to accept the {$15000.00} for the car and they sold it at auction for {$6000.00} and I feel like I shouldnt be held responsible for the remainder of the balance when I dont have possession of the vehicle anymore
Consumer complaint received 2021-08-31
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

I did not authorize this company to pull my credit. I have asked Cardinal Financial and XXXX  to remove this credit pull but they are unresponsive. XXXX  also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX/CARDINAL FINANCIAL COMP XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (AZ)

I was a tenant of XXXX XXXX XXXX ( landlord ) at their apartment complex, XXXX, in XXXX, Arizona from XX/XX/XXXX to XX/XX/XXXX. After I moved out, XXXX XXXX sent me a damages sheet and damages charges in the amount of {$1500.00}. They also deducted my {$300.00} security deposit. I called XXXX XXXX to discuss the charges as are they were not in accordance with lease agreement and not reasonable. I even emailed XXXX, the property manager with the dispute. XXXX or any one from wealth management never responded to my emails. My account was sent to collections. Rent Recovery solutions called me to collect the debt. I explained it to them twice that I do not have a debt. There is a dispute on damages and security deposit. Rent Recovery ( debt collector ) called me several times and threatened me to report me to credit bureaus. I insisted that I have emailed/called XXXX XXXX and they never responded to my dispute and that I do not have any debt. Without my knowledge, Rent Recovery reported to credit bureaus with a derogatory charge. My credit dropped XXXX points from XXXX to XXXX. Due to the low credit, my lender rejected a loan that I had applied recently. Due to XXXX XXXX and Rent Recoveries wrong tactics and fraudulent charges, I have suffered XXXX XXXX and harassment. And my loan was denied due to low credit score when I have always maintained great credit.
Consumer complaint received 2019-12-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Submitted a claim against TransUnion, and recived an email saying they responded, but there is nothing, not even a notice that I submitted a complaint
Consumer complaint received 2024-05-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AZ)

I am not liable for this debt with I.Q. data International , inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX XXXX have never agreed nor signed of nature any agreement with this company. I want proof of a wet signature signed document between myself and I.Q. data International , inc. or immediate deletion from my Credit Report. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. I.Q. data International , inc. May or may not have a license to collect in any state and they are violating my rights going outside their jurisdiction for false debts owed. 

I do not recall and blatantly convinced this is not mine. I havent consented, partnered, or willingly engaged into any business dealings knowingly or unknowingly with I.Q. data International , inc. I will be filing another complaint with the CFPB & FCRA for violating my constitutional rights under pursuant to 15 USC 1681 ( b ) ( I ), 15 USC 1611 ( 1 ) ( 2 ) ( 3 ) & lastly I do not consent to this under 1 UCC 308.

Therefore, I request a signed agreement or an original application, not copies of invoices, but a document of substance, to validate their claim that I knowingly entered into an agreement with them with my signature. 

This company practices illegal debt collecting tactics. And refused my rights under the colour of the constitution.
Consumer complaint received 2021-08-31
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: CBC Companies, Inc. (FL)

I did not authorize this company to pull my credit. I have asked Factual Data and XXXX  to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

FACTUAL DATA XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-12-05
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (VA)

I've been paying my mortgage for 10 years,never later or missed a payment,l mail my payment postal money order and priority with tracking ever month,XXXX  of this year my payment was mail on the XXXX,PHH received it on the XXXX they are telling me they don't have it,my tracking is saying different,they hit my credit score,I'm in the process of tracking the money order through USPS now.
Consumer complaint received 2019-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: M&T BANK CORPORATION (MD)

I do signed for a car loan and we know that being I co signed I am responsible also but my complaint is that I did not give the bank any authority to take money out of my savings account and they did so without any notification at all   I have left m&t bank which I have been with for 30 years and I am very upset. Have paid off multiple loans through this bank and have never had them or anybody take my money without any notification. I am very upset and hurt with all this as I have been a customer for 30 years.
Consumer complaint received 2021-11-23
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. (TX)

I was A victim of identity theft and after reviewing my report I notice there are several hard inquires that I did not authorize on my credit report. Additionally there are fraudulent accounts that are closed but reporting on my report that I never opened. I have attached the copy of the identity theft report my drivers license and social security card for reference. And listed below are both the accounts that are needing to be removed due to fraud and the hard inquires that are also fraud. 

The accounts that are fraudulent are the XXXX XXXX XXXX ACC NUMBER ; XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ACCOUNT XXXX ***THERE ARE XXXX OF THESE ACCOUNTS LISTED WITH XXXX DIFFERENT OPEN DATES**** XXXX SHOWING XX/XX/XXXX & XX/XX/XXXX. BOTH ARE FRAUD ACCOUNTS. PLEASE REMOVE. 


The Hard inquires that I didn't list are also listed below. 


XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX  Inquiry date XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX EXPERIAN XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX NA Inquiry date : XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX EXPERIAN XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX NA Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2024-05-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

Capital One credit card failed uphold a dispute I submitted and offered me 2 weeks to submit additional documents. After just 1 day, they said they closed my dispute saying I did not submit supporting documents.

More importantly, it is clear that I did not receive the service in question and there is no basis for Capital One to deny my dispute. Should the merchant wish to pursue the matter civilly, that is their choice and the matter will be brought before a trier of fact, rather than the Capital One customer dispute agent that is trying this case based on limited information.

Capital One must honor the dispute as described and allow the merchant and I to reach a resolution, mutually or through arbitration, but either way Capital One can not make me pay for a service I did not receive.
Consumer complaint received 2023-02-05
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. (MA)

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2600.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$53.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2021-11-22
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: Credence Resource Management, LLC (TX)

CREDENCE RM has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts. 


XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (NY)

My Current debit account was scammed {$1300.00} on XX/XX/year> starting at XXXX with continued fraudulent charges of {$75.00} until XXXX XXXX. I filed a dispute 48 hours later and my dispute was denied on XX/XX/year>. These charges ALL had a foreign transaction fee. I explained to Current that I have NEVER LEFT MY COUNTRY. How is a foreign transaction fee not enough evidence that these charges were not authorized? Better yet.. why not after the third charge from the same company wasnt any form of security enabled? I have an XXXX XXXX whom eats XXXX DAILY you can see the transactions from the moment I opened my debit card account. My XXXX BROTHER depends on me. My sister, depends on me. I need this resolved and I find it absolutely ludicrous that in the year XXXX  with all the technology we have, this can be denied. A woman who cares for her siblings, doesnt do anything for herself, yet can get robbed over a XXXX dollars and be denied by her bank as well. I dont want to have to take this to court but I will because this situation has me emotionally distraught. I am in tears. I have had extreme XXXX  since this situation.
Consumer complaint received 2021-08-30
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: Experian Information Solutions Inc. (KS)

I disputed with experian with a veterans affairs account I have on my report. I disputed that the dates were not correct. They have it reported as just Collections from XX/XX/XXXX to XX/XX/XXXX and then the account closed in XX/XX/XXXX. This account is paid. I disputed why there werent 30 60 or even 90 days late just reported collection. They informed me they did an investigation and its been updated as such. 30 60 90 120 150 180 from XX/XX/XXXX to XX/XX/XXXX and then current XX/XX/XXXX. And then nothing else is reported until XXXX and XXXX of XXXX marked Collection. They clearly dont know how to accurately report peoples accounts. If it was PAID and closed XXXX HOW do you say you investigated and then just write it as a collection in XXXX of XXXX when this account has been PAID. They dont have dates and falsely reporting dates and wrecking my credit in the process I WANT REMOVED FROM MY ACCOUNT NOW