davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting Act XXXX Account numbers XXXX, XXXX, XXXX, and XXXX and 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.
Consumer complaint received 2024-03-11
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. (PA)

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 2024-03-11
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. (AZ)

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments.
Consumer complaint received 2023-02-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MO)

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit account and inquiries that are hurting my general reputation as a consumer. 
15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (FL)

I have not seen any doctor in the entire year of 2019. I have been in perfect health. I have never been to any of the locations of XXXX XXXX XXXX. This is not my medical bill. They have the wrong XXXX XXXX or someone used my information. I was a victim of the XXXX  breach. I will not pay this bill and it is the only negative info on my credit reports because I pay my bills and have 100 % on time payments of my accounts. If this company does not remove this ASAP I will file civil action with no delay.
Consumer complaint received 2015-07-06
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (NY)

In XX/XX/XXXX my mother and I purchased a XX/XX/XXXX XXXX XXXX from this company 's mobile sales location in XXXX, NY. We were told I did n't have enough income to finance the car myself so she would have to cosign. After much manipulation on the part of XXXX XXXX ( the owner ), we got a sale price of {$12000.00}. This was way above the {$5000.00} or less we were told they had for cars. After some debating, my mother and I decided to just buy the car since I needed it for work. After an hour and a half of being insulted by XXXX XXXX, we just wanted to sign our papers and leave.He gave us a long " I do n't deal with crooks, cheats and liars '' shpiel and told us " he would n't sell us a car if we were dishonest criminals ''. After I informed him we did n't deal with that kind of people, either, he finally got down to business. 
Mom and I were told we could finance the car for 5 years at a 5 % ( which later turned into an almost 8 % interest rate ) interest rate. No big deal there. We get to discussing the monthly payment and he said it would be around {$250.00} a month. This was fine and affordable for me. XXXX minutes later he comes back and gives us this " I 'll pay your tax, licensing and other fees but you have to pay me back for it. ( Weird, considering that 's just usually financed into the loan ). It 's going to cost you {$450.00} a month for 6 months to pay me back for that, then your payment will drop to around {$250.00} a month. '' Okay shock at the new payment, but I figured for 6 months it was doable. I specifically asked if he was sure my payment would drop after the 6 month time frame and was told " I guarantee it will ''. Okay, fine. 
Now we finally get to sign our papers and just leave. Mom signed away and after I questioned XXXX XXXX on that, he said in 6 months the loan would automatically go through in my own name as long as I made the payments for 6 months out of my bank account ( also weird but I was assured this was the truth ). Those 6 months came and went and no surprise there, the payment never dropped, the loan never went into my name, and when I applied for my own loan, I was declined after being repeatedly assured I would get approved. This {$12000.00} car ended being financed at {$29000.00} over 5 years. I looked through all the paperwork and ca n't figure out how a {$12000.00} purchase price on XXXX set of forms jumps to {$16000.00} and then {$18000.00} on other sets of forms then ends up costing me {$29000.00}. The car has never been repaired by the dealership. Trying to talk to someone you get the runaround. 
On top of this, the bank who financed the ORIGINAL loan issuer ( Fifth Third Bank ) sold that loan less than two weeks later to XXXX Consumer, and neither party notified us of their intent to do so. The only knowledge we had of this event was XXXX sending us a letter stating that they had purchased the loan from Fifth Third Bank. The NYS Attorney General 's Office told me doing so was ILLEGAL and in violation of FTC laws.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

First of all, I want to say thank you for approving my COVID forbearance during the pandemic as it was a time of a lot of uncertainty and overall a very difficult time for me financially. 

I am writing to request your help as I recently learned I have several rolling 30 day lates on my mortgage which started back in XX/XX/XXXX then ended when my forbearance was approved in XX/XX/XXXX. 

I recently called and spoke to a representative named XXXX who helped me understand that I missed my XX/XX/XXXX payment then all of my future payments were posted for the previous month. This is unfortunate as I had no understanding of the missed payment issue and would have doubled up to get it addressed right away. 

I strongly feel most of the rolling 30 day lates are inaccurate because when I made my payments on your portal each month I was making them within the 30 day window yet I was still getting reported as 30 days late most months. It is my understanding that as long as I made the payments within the 30-day time period I wouldn't have been a full 31+ days past due which is what is required to report me as 30 days late.
Consumer complaint received 2023-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (TX)

Phoenix recovery group has been reporting to all credit agencies that I owe & XXXX and {$5200.00} to Phoenix recovery group. I have requested that Phoenix recovery group provide documentation bearing my signature that I have or had an obligation or contractual agreement to pay Phoenix recovery group for the alleged amount they claim I owe. To this day I have not received documentation. They have been reporting this to credit agencies since XXXX I believe they have me confused with someone else. My name is XXXX XXXX XXXX. The attached documents says XXXX XXXX.
Consumer complaint received 2021-08-24
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. (DC)

The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ;
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (MO)

There is fraudulent activity at PNC that is using my personally identifiable information. 

I have been working with PNC and CFPB regarding suspicious activity. I initially contacted PNC on XX/XX/2022 and again on XX/XX/XXXX when there was no follow-up. I then opened a case XXXX w CFPB on the XXXX of XXXX when it was apparent I needed an advocate. PNC, XXXX XXXX, contacted me on the XXXX of XXXX. XXXX assured me that issue was resolved and that I would not receive any further communication related to these accounts. 

I have in fact received XXXX more letters regarding these accounts the latest sent the XXXX of XX/XX/2022. And, it is now obvious to me these are fraudulent accounts. The most recent notice is from a third party with same name and address that is on PNC accounts. 

I am opening a new case for XXXX reasons. First and foremost is the fair resolution expected has changed given these are fraudulent accounts. Second, I have no way to update the existing case.
Consumer complaint received 2019-07-19
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. (FL)

I have sent letters to these three companies and asked them to stop the unauthorized inquiries and have them removed from my credit report. However, it has been 60 days and I have had no response from them. The letters were sent by certified mail, so I am sure when they were received. I called TransUnion customer service would not help and take care of the negative inquiries reporting to your credit report. 

XX/XX/2019 XXXX XXXX XXXX XXXX Tx XXXX XX/XX/2019 XXXX XXXX XXXX XXXX , NC XXXX XX/XX/2019 XXXX XXXX XXXX TX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

ACCOUNTS THAT ARE NOT MINE ARE STILL REPORTING TO MY CREDIT PROFILE. THESE ACCOUNTS HAVE NOT BEEN VERIFIED. THESE ACCOUNTS WERE REMOVED AND HAVE BEEN REINSERTED ON MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681, I WAS NOT NOTIFIED WITHIN 5 BUSINESS DAYS OF ANY ACCOUNTS BEING PLACED BACK ON MY CREDIT REPORT. 

FURTHERMORE STILL REPORTING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 THIS IS AN ONGOING ISSUE THATS SEVERLY IMPACTING MY ABILITY TO OBTAIN CREDIT
Consumer complaint received 2023-02-22
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (OH)

15 U.S Code 1681 - 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. 


Numerous actions have been taken FTC, XXXX, CFPB, Police Report, Disputing with both agencies all in which have failed involving a debt that isnt owed by me from XXXX XXXX XXXX XXXX totaling {$680.00}!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-10-13
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. (MS)

I have fraudulent accounts and inquiries or my credit report. I have rights under the fair credit reporting act that says inaccurate information shouldn't be on my credit report. Please verify each of these items and send me any written signature or agreement relating to these acounts and inquiries 1XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$430.00} 2XXXX XXXX XXXX XXXXXX/XX/XXXX 3. XXXX XXXX XXXX XXXX {$73.00} Inquiries 1XXXX XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXX/XX/XXXX 4.XXXX XXXX XXXXXXXX XX/XX/XXXX 5.XXXX XXXX XXXX XXXXXX/XX/XXXX 6.XXXX XXXX XXXXXX/XX/XXXX 7XXXXXXXX XXXX XXXXXX/XX/XXXX 8.XXXX XXXX XXXXXX/XX/XXXX 9.XXXX XXXX  XX/XX/XXXX 10.XXXX XXXX XXXX XXXXXX/XX/XXXX 11.XXXX XXXXXXXX XX/XX/XXXX 12.XXXX XXXX XXXXXX/XX/XXXX 13 XXXX XXXX XXXX 14XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 14.XXXX XXXX XXXX XXXX XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX  13.XXXX XXXX XXXXXX/XX/XXXX 14.XXXX XXXXXX/XX/XXXX 15.XXXX XXXXXX/XX/XXXX 16XXXXXXXX XXXX XXXXXX/XX/XXXX 17.XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION (CO)

On XX/XX/2022, Truist closed my accounts due to a " review of fraud '' and said that the accounts were closed and no further action would be needed and that a cashier 's check would be sent. That was in a formal notice dated XX/XX/2022. Fast forward XXXX  months, I am still getting statements in the mail with my account balance dwindling from account fees. I've tried calling customer support to no service. Customer service transfers me to a non-existent number, and when I ask for a manager or supervisor, I get " oh they are not available right now. '' Truist has not made the effort that they said they would in writing.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (CA)

In accordance to the a Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-03-11
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. (MA)

I feel frustrated, unhappy, and troubled by the situation regarding my credit report. There are late payment remarks on some of my accounts, even though I have consistently made on-time payments.
Consumer complaint received 2022-11-08
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. (NM)

First of all, I want to say thank you for approving my COVID forbearance during the pandemic as it was a time of a lot of uncertainty and overall a very difficult time for me financially. 

I am writing to request your help as I recently learned I have several rolling 30 day lates on my mortgage which started back in XX/XX/XXXX then ended when my forbearance was approved in XX/XX/XXXX. 

I recently called and spoke to a representative named XXXX who helped me understand that I missed my XX/XX/XXXX payment then all of my future payments were posted for the previous month. This is unfortunate as I had no understanding of the missed payment issue and would have doubled up to get it addressed right away. 

I strongly feel most of the rolling 30 day lates are inaccurate because when I made my payments on your portal each month I was making them within the 30 day window yet I was still getting reported as 30 days late most months. It is my understanding that as long as I made the payments within the 30-day time period I wouldn't have been a full 31+ days past due which is what is required to report me as 30 days late.
Consumer complaint received 2023-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

I had a business credit card account with Suntrust. I received the credit card with my account number and setup automatic payments as I always do. However, when Suntrust became Truist ( XX/XX/2022 ), I never received a new card nor anything with the actual account number on it so I was unable to reset my password or call in. When I did reach an actual representative, they were unable to find the account with my XXXX or XXXX number. It wasn't until I received a collection letter dated XX/XX/2022 that I obtained a document that had the actual account number on it.
Consumer complaint received 2022-12-19
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. (GA)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me an found unverifiable, invalidated, inaccurate, and questionable items that were reporting on my credit report. i reported these items to your agency over 30 days ago to ensure that these items were reporting 100 % correctly by the credit bureaus. 

In accordance with the Fair Credit Reporting Act, everything has to 100 % accurate on my credit report and Under 15 U.S Code 1681a ( b ) and15 U.S Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts previously disputed as being inaccurate were properly investigated and came back verified., However, how's this true when there are still inaccuracies on my report? 

As a consumer, I request to know the steps your agency took to inure these items were100 % accurate under 15 U.S.C 1681 ( 7 ) Method of verification Description of reinvestigation procedure. 

RESOLUTION : As a consumer by law my credit report must be 100 % accurate immediately by the credit reporting agencies and or deleting the accounts listed in the previous dispute and also this letter. 
Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX BANK Account number XXXX Account name AXXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXXXXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Bankruptcy XXXX XXXXXXXX Filed on XX/XX/2022 Reference number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Filed on XX/XX/2022 XXXX number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2021-12-14
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. (GA)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.